Independent Financial Solutions are based in Cambridge and provide tailor-made solutions to your meet your financial problems. We pride ourselves on the level of expertise offered and the strong personal service that we give.
Independent Financial Solutions are based in Cambridge and provide tailor-made solutions to your meet your financial problems. We pride ourselves on the level of expertise offered and the strong personal service that we give.
16 Low Road, Burwell, Cambridge, CB25 0EJ.  T: 01638 615343  F: 01638 615342 E: info@independent-financialsolutions.co.uk
Partners: Quentin Cooke & Alison Cooke (non advising)

Retirement Planning


The United Nations World Population Prospects report, for the period 2005-2010 states that in the UK, the average man will live to age 77.2 and the average women will live to age to 81.6.  Furthermore the projection is that people will live even longer as time passes.  So your retirement represents a very significant proportion of your life.

Therefore, ensuring that you have made the necessary provisions is not something you can afford to get wrong.  Yet very few clients have a clear idea as to what they need to do, to achieve financial security in retirement.

IFS does not believe that there is just one way to address this particular need and we recognise that there are a number of alternatives to conventional pension planning, some of which we can help you with and some of which we can’t.  What we can do though is ensure that you set achievable goals and are fully aware of the ways in which these can be achieved.

When it comes to conventional pension planning, we often find that clients fail to maximise the potential of the investments that they have made.  Investments in pensions are rarely reviewed to see if they are performing at an adequate level, and alternatives are rarely considered.  The basic goal of achieving an adequate resource for retirement has rarely been defined and progress is almost never measured against this basic need.

We seek to remind you of the basics and to actively manage your pension investments.  (Click the ‘Our Investment Service’ tab on our homepage to find out how we do this). 

The pension’s world has moved on hugely in recent times and the range of products and what they have to offer is vastly different to even 10 years ago.  Contracts still offer some very attractive tax advantages when compared to other forms of investment, but now they are much more transparent and flexible, as well as giving you far more control of your assets. 

After your home, your pension is probably the biggest investment you will ever make, or at least it will be, if you are to achieve a decent standard of living in retirement, so make sure that you find out if you are making the most of your money.

1. Independent Financial Solutions is an appointed representative of the M&E Network Ltd, which is authorised and regulated by the Financial Services Authority. The M&E Network Limited is entered on the FSA Register (www.fsa.gov.uk/register) under reference 150643. 2. The information contained in this site is subject to UK regulation and legislation and is therefore restricted to consumers based in the UK. 3. For investment and pension recommendations we select products from the whole of the market.
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