Hearthstone Financial Planning
Independent UK financial advice for pensions, protection, and later-life decisions — grounded in your statements, not slogans.
Arrange a discovery callWe sit with scheme statements, State Pension forecasts, and the real cost of keeping your household running. From that base we design retirement reviews, transfer opinions, and protection schedules for people across England who want clarity before they sign anything.
Hearthstone Financial Planning works as a consultancy practice: meetings with a named adviser, written recommendations, and fees agreed before work begins. No product of the month. No pressure to move pots that already serve you well.
Meet the practiceA structured review of workplace pensions, SIPPs, drawdown sequencing, and tax wrappers for households approaching or already in retirement. You leave with a written income plan and a follow-up call to walk through every recommendation.
Review the full scope
Suitability advice when you are considering transferring a final salary benefit, consolidating old pots, or moving into a personal arrangement.
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Life cover, critical illness, and income protection reviewed against mortgage debt, dependants, and business responsibilities.
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Coordinating wills, trusts, gifting, and care funding conversations so family wealth passes with fewer surprises.
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Discovery call, document gathering, analysis, then a recommendation meeting. Know the rhythm before you book.
See the consultation pathMore client storiesWe arrived with three old workplace pots and a CETV letter we did not understand. The retirement review laid out what to keep, what to consolidate, and why transferring the final salary benefit would have left us exposed after seventy.