Retirement Planning

I found the services of CHN very helpful when approaching retirement. I was advised how i could consolidate a number of pension pots and transfer the money to a new provider which would allow draw down. Following my authorisation CHN made these changes ‘painlessly’ on my behalf. Additionally, each financial year they assist me with the draw down process. Crucially, this has enabled me to maximise my retirement income, remaining just below the 40% income tax threshold. This was the goal I had requested when I first contacted the company.

David Thewlis

Following my redundancy CHN provided me with the guidance I required on how to invest my pension fund. On-going reviews and help have enabled me to consider retiring much earlier than I believed would be possible. Overall I would rate the professional but friendly service provided to be excellent. 

Colin Westby

5 years ago I retired from paid work and sadly lost my mum shortly after. The two events together left me with some cash which I wanted to invest for my own benefit but also to help new businesses. I approached CHN having worked with Sophie previously and they spent the time really to understand my needs and philosophy. Out of those early meetings a really interesting portfolio was developed including a number of EIS investments giving me both tax advantages but also helping to support Start Up companies, engaging me in their development at all stages. I have also received and taken  advice on my pension which included full negotiations with various pension providers, former employers and the advising Actuary and this now complements my standard share portfolio (which itself has traded above the industry average in the time concerned). It helps me immensely that CHN liaise directly with my accountant including me as required. As a professional advice and support team I could not wish for more. 

Client of Sophie Thornhill

For myself, the biggest obstacle when planning for retirement is getting your head around knowing how much you’ll need in retirement, and then working out how you’ll get to the stage where you have enough in the pot to actually retire!

It’s so important to try and maximise the amount you’ll receive once you get to retirement age so you can enjoy family life out of work and have less money worries.

I’d recommend CHN because they are definitely a safe pair of hands! They are experts in many financial areas and take every case personally.

I believe CHN work out the best scenario for achieving their client’s goals and I look forward to working with them for a long time to come.

Rob Julian – Client since 2015

Committing money in a pension fund and tying up cashflow while trying to run a business was one of the biggest deterrents about planning for retirement.

CHN have given me a clear vision of what I need to do to allow me to enjoy the lifestyle I want for my family.

In my opinion it’s vital that we take financial responsibility for ourselves – with every changing state support, which will either be inadequate, or non-existent, planning for your retirement is vital and the independent advice I have received so far has been fantastic.

Due to CHN’s advice, I have devised a plan of what I need to achieve over the coming years and I’m confident that their recommendations will help these ideas come to fruition.

Phil Ellerby – Client since 2011

On behalf of my husband Peter and I, we would like to commend you for the service that we have received from CHN. For the highly professional, prompt, friendly and efficient handling of our financial concerns when we were reviewing our provision for retirement. We will have no hesitation in recommending you to others and look forward to continuing our association.

Joanna Kaye