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

You’re here which means that you are one step ahead.

Congratulations! You’ve realised that it’s time to make some financial decisions, and more importantly, 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 – your chance to start planning now.

What Our Clients Say...

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

Mrs B, Bristol
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Our core values

  • Integrity
  • Excellence
  • Teamwork
  • Friendliness
  • Knowledge
    • Hilary 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

    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

    Alan Saunders IEng MIET, Evesham
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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 Pensions – 2018/19

    By Hilary Carden on 15th April 2018 in Pensions

    If you are the owner of a small or medium sized company chances are that your accountant has suggested you take a low salary and… Continue Reading
    Why Employer Pension Contributions make sense for a Company Director

    By Hilary Carden on 6th April 2018 in Pensions

    If you are a company director and shareholder of your own trading company paying yourself employer pension contributions might make more sense than personal contributions...… Continue Reading
    What is Carry Forward?

    By Hilary Carden on 6th April 2018 in Pensions

    Carry Forward is a tax rule that allows you to catch up on your unused pension contributions. It enables you to carry forward unused annual… Continue Reading
    Market Views July 2018

    By Hilary Carden on 4th July 2018 in Investment

    In this our latest market views for July 2018, we consider the first half of 2018 and review what we think has been and might… Continue Reading
    FAQs: Should I Restart Pension Contributions into an old Plan?

    By Hilary Carden on 30th June 2018 in Pensions

    A new client, James, wanted to restart his pension contributions and asked me whether it was better to resurrect his old Stakeholder pension plan or… Continue Reading
    1993: Our Story Begins

    By Hilary Carden on 11th June 2018 in Life

    This Year we’re celebrating Cardens 25th Anniversary. 1993 to 2018. Inevitably it’s a time to reflect and reminisce so I thought it might be fun… Continue Reading