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Call Hilary and her Team for a friendly informal chat 0117 290 0370
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You’re here which means that you are one step ahead.

Congratulations! You’ve realised that it’s time to make some decisions, to take some action.

Lots of people, particularly small business owners, are too busy getting on with their day to day life to find the time to stand back and decide what they really want, let alone doing anything to achieve it.

They know they should get it sorted, but where to start? Dealing with money and financial matters can be confusing and overwhelming. So it goes on the “too difficult” pile for another day.

Take the next step and call us to find out how you can take advantage of a free 60 minute meeting – a chance to start planning now.

What Our Clients Say...

Alan Saunders IEng MIET, Evesham

Cardens have been my company’s pension advisers for over 12 years. That wouldn’t be the case if they weren’t providing a quality service. Clear uncomplicated advice, prompt, efficient and friendly staff

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Our core values

  • Integrity
  • Excellence
  • Teamwork
  • Friendliness
  • Knowledge
    • Hillary Carden

      Hi, I'm Hilary. So many people tell me that they keep meaning to sort out their investments and retirement but they never quite get around to it. Well, I'm here, with my team, to make sure that you're not one of those people. For that to happen, we need to talk. Which is why you should give me a call now on 0117 290 0370 or fill in the form below

    Let us help you build the future life you want...

    Financial Planning


    Discover your future potential by looking at the bigger picture.

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    Investment Focus


    Learn how you find an investment strategy that lets you sleep at night.

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    Bespoke Pensions


    Find out why having your own personal plan can put you in control.

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    Call us now on 0117 290 0370 with any questions

    Mrs B, Bristol

    I like the fact that at our reviews, I feel I am discussing my affairs with a well-informed friend rather than a staid financial institute. I like receiving sensible uncomplicated suggestions to improve my situation and the fact that I am not badgered to make immediate decisions

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    Meet Hilary and the Cardens Team

    Meet The Team
    Cardens Retirement Planning Bristol Retirement Consultants

    Latest news and insights

    Dividends and Pension Contributions

    By Hilary Carden on in Pensions

    In the current tax year ending 5th April 2017 the annual pension contribution limit (known as the Annual Allowance) is £40,000. For many people, this limit won’t worry them.  And if you want to pay a large amount into your pension scheme, you may be able to use unused allowances from up to three previous […]

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    Attitude and Shed Jumping School

    By Hilary Carden on in Investment

    One downside of working in financial services, particularly pensions and investments, is that it isn’t considered to be very sexy or fun. In fact a marketer told me the other day that it’s all rather ‘grey’. I know what he means. Money is a serious business and we’re surrounded by compliance, rules and regulations. It […]

    Continue Reading
    Coping with Big Life Changes

    By Hilary Carden on in Life

    Last weekend I left my 18 year old son on the steps of his University halls in London.  I won’t lie, it was tough. The following day I was chatting to a client and she told me that when she did the same thing a few years ago, she came home, sat on her son’s […]

    Continue Reading
    Inheritance Tax-Free Assets of £1 Million – How Does it Work?

    By Hilary Carden on in Planning

    Recently I’ve had a few conversations with people who thought that they didn’t have to worry about Inheritance Tax planning any more. ‘Something to do with a million pounds…’ To remind you, Inheritance Tax is a one off tax paid on your estate (ie all your assets) over £325,000. This is called the nil-rate band and […]

    Continue Reading