Octo Financial Planning
Octo Financial PlanningCraig Shilling, Independent Financial Adviser

The retirement you deserve

Pensions

I help people prepare for the retirement they want, with advice and products suited to your circumstances, needs and goals.

How I can help

  • Reviewing existing pensions and consolidation options where suitable
  • Planning contributions and retirement income strategies
  • Navigating drawdown, annuities and tax considerations at a high level before formal advice
  • Aligning retirement plans with wider investments and protection

Get in touch

Next step

A free initial conversation is the easiest way to see whether advice would help. No obligation, just clarity on your options.

Heard you can take 25% tax-free?

That rule of thumb is only part of the picture. My Insight on tax-free cash and the Lump Sum Allowance explains in plain English how the 25% idea and the 2026/27 allowance fit together. It is general information, not personal advice.

Also considering a house move?

If a house move or remortgage is part of your life stage, mortgage advice is a separate conversation. Background is on our mortgages page. Ask about either, or both, when you are ready.

A pension is a long-term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

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