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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 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

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  • 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


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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 Pensions

    By Hilary Carden on 7th September 2017 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 higher dividends.. But are you thinking about making a pension contribution? If so, you probably know that in the current tax year (ending 5th April 2018) there is an annual […]

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    What is Carry Forward?

    By Hilary Carden on 18th September 2017 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 allowance from the previous three tax years to the current tax year. 3 points to bear in mind: The standard annual allowance for the current tax year (2017/18) is £40,000. […]

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    Increase to Auto-Enrolment Pension Contribution Rates

    By Hilary Carden on 16th September 2017 in Employers

    Is your auto-enrolment scheme set up with the employer paying a minimum pension contribution so as to comply with government rules? If so, you will have to make changes in April 2018. The Pensions Regulator (TPR) is in the process of sending letters to all employers, telling them about the forthcoming increase in the legal […]

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    Autumn Budget 2017 Date Confirmed

    By Hilary Carden on 15th September 2017 in Tax Planning

    The government has announced that the Autumn Budget is on Wednesday 22nd November 2017. This will set out the government’s plans for the economy based on the latest forecasts from the Office for Budget Responsibility (OBR). Last year the Chancellor announced that there will now only be one Budget a year, held in the Autumn. […]

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