Talk to us about your financial planning

Request a callback

Call us now on 0117 290 0370 Let us help you build the future life you want...

  • Free Ebook
    The 5 Secrets to Effective Retirement Planning

    Get your free copy of Hilary's book and start planning properly for your retirement.

    • This field is for validation purposes and should be left unchanged.

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

Business Owners

Find Out More


Find Out More


Find Out More

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
View All

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
    View All

    Meet Hilary and the Cardens Team

    Meet The Team
    Cardens Retirement Planning Bristol Retirement Consultants

    Latest news and insights

    Dividends and Pensions

    By Hilary Carden on 15th April 2018 in Business Owners

    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
    Tempted to dip into your Pension?

    By Hilary Carden on 1st March 2019 in Pensions

    If you need some money and you're aged 55 or more, it might be tempting to dip into your personal pension fund. Changes to pension… Continue Reading
    How much can I pay into my Pension?

    By Hilary Carden on 25th February 2019 in Pensions

    The maximum pension contribution that can be paid into all your pensions in this tax year ending 5 April 2019 is £40,000. This is known as… Continue Reading
    What is Carry Forward?

    By Hilary Carden on 5th February 2019 in Business Owners

    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