Reassuringly Straightforward Advice

Free Personal Retirement Audit

Call Hilary and her Team for a friendly informal chat 0117 290 0370
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    The 5 Secrets to Effective Retirement Planning

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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...

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
    • 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

    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 Pension Contributions

    By Hilary Carden on 1st December 2016 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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    Star Wars Night Out

    By Hilary Carden on 23rd December 2016 in Life

    Tuesday night was Star Wars night. We took the whole family plus two partners to see the new film ‘Rogue One: A Star Wars Story’. Our Christmas treat. And with tickets, cocktails, popcorn, sweets and then dinner at Wagamama’s afterwards, certainly not a cheap night out… I used to be a bit take it or […]

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    Anticipating makes us Happier

    By Hilary Carden on 14th December 2016 in Life

    Research has shown that anticipating something can be a powerful and positive emotion. It can even help us feel happier about our lives. The problem is, that if you own a small business you’re probably anticipating what you have to do today, this week, this month. And you might be thinking to yourself that it’s […]

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    Christmas Jumper, Spending and our Magazine

    By Hilary Carden on 12th December 2016 in Life

    It’s beginning to feel a bit like Christmas. The Cardens Christmas tree will be decorated this week. Even Toby is excited about wearing his Christmas jumper. Most people are more pre-occupied with spending than saving this time of year. This means we have a chance to catch up with work, get organised and plan for […]

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