Who are we?

Financial Strategies are Independent Retirement Specialists

Being wholly independent and 100% owners of our firms we have a natural interest in the financial wellbeing of our clients.

We recognize that our future depends on our client's ongoing satisfaction.

We hold specialist pension qualifications that allow us to advise in all areas of pension planning.

You can rest assured that as clients of Financial Strategies you will have a long term relationship with the business proprietors and will not be passed on to newly appointed advisers year in year out.

Our Service

It is important to remember that buying an annuity is not the only consideration as there may be options more appropriate to your individual circumstances.

What happens next?

Do you have to pay us a fee?

You are not tied into us or obligated in any way. Our initial research for you will be free of charge and for any work we do; we will carry the risk that having obtained the information you have asked for, such as the highest annuity rates for your given requirements, you may shop elsewhere and we will not be paid.

You may choose whether or not you wish us to work on a fee or commission basis.

It is clear that any service provided by a third party has to be paid for by one way or another, however, more often than not,  going direct to the provider and cutting out an intermediary, does not yield higher rates, often the contrary. This is because we have negotiated higher rates from some providers than are generally available because of our volume. When we arrange your annuity for you we can be paid in one of three ways; by a fee direct from your pocket, by commission paid by the provider out of product charges, or a combination of both. Generally, if you take the commission option, your rates will be fractionally lower than if no commission was paid.

We will be happy to discuss this in more detail, if you wish; giving you an example of both payment methods and then you can make the decision for yourself.