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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

Retirement

Discover your future potential by looking at the bigger picture.

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Investment Focus

Investment

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

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Bespoke Pensions

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 2018 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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Employer Pension Contributions for a Company Director

By Hilary Carden on 17th March 2017 in Life

Are you a director/shareholder and your employer is your trading company? If so, you might receive your income in the form of salary and dividend. As explained in our article Dividends and Pension Contributions this may restrict your personal pension contributions more than you want. Employer Contributions Employer contributions are not limited to earnings, unlike […]

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At a Glance Personal Taxation 2017/18

By Matt Eldridge on 11th March 2017 in Investment

For a free copy of our Personal Taxation 2017/18 Infographic click on the link below: Download the Free Guide Download the Free Guide

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‘Spreadsheet Phil’ delivers his first and last Spring Budget

By Hilary Carden on 10th March 2017 in Investment

Before he stood up, punters could have obtained long odds about witnessing a wise-cracking ‘Spreadsheet Phil’, as he has become known, standing at the despatch box (the joke-o-meter registered seven during his hour-long address). But beyond the laughs from the government benches combined with Opposition scowls, the Chancellor sent out some fairly serious messages. For […]

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