Why us?

We use cashflow planning

A large part of our holistic advice offering is the way we combine cashflow planning with a retirement strategy. We use it to plan and evolve your journey, not as a one-off solution.

It gives you a clear vision by projecting your income, expenses, savings, investments, and other financial factors over time. Cashflow planning cannot guarantee future performance but using our professional assumptions and reviewing and updating your model regularly, it will enable you to make more informed decisions about your goals and priorities.

We provide independent advice

You’ve probably seen the word “independent” used to describe financial advice, but you may not know what it actually means for you.

Being independent means that we are not tied to any product provider or investment house, and we have the freedom to provide unbiased advice based on your circumstances. The recommendations we make will be the ones that are most suitable for your unique financial goals.

We’ve built a strong reputation

We have been doing this for more than 25 years, so we certainly know a thing or two about providing exceptional financial advice. Many members of our team have also stuck by us for all these years, and they will continue to be there for our clients for a long time.

We’ve been in your shoes, navigating our own financial challenges, so we know how you’re feeling and the relief that speaking to a financial planner brings. In fact, in a recent survey, 94% of clients said they would recommend us to other people.

You’ll have an entire team by your side

Behind the scenes, we have been making a conscious effort to ensure that our team can be easily contacted and is on hand to answer your questions.

You don’t just have your financial planner as a point of contact. We also want you to experience the wonderful service provided by our client support team, who will be there whenever you need them. These small details demonstrate how we go the extra mile.

Our clients have spoken

View all client stories

The three words I would use to describe Intelligent Pensions would be open, listening, and reliable.

Lindsey Corben

Working with Robyn and Intelligent Pensions is absolutely a pleasure; it’s very easy and straightforward.

Nathan Hopper

We gave Intelligent Pensions a tall order; the dream was always to retire at 55, and with their help, we've been able to do that.

Sharon & Martin

I can go to bed at night and not worry about where my money is or what's going to happen to it.

Nigel & Jane

The three words I'd use to describe Ben and Intelligent Pensions are friendly, communicative and accurate.

Trevor Anderson

I have now been retired for just over a year, and I have no financial worries whatsoever.

Neil Scott
Ajoy Deshmukh
Ajoy Deshmukh
April 26, 2023
My wife and I had our first pension review meeting with Simon and he was so helpful. He is very knowledgeable on the areas we discussed and his manner ensured my wife and I felt at ease with him. He provided projections which were relevant to our situation and where we want to be in years to come. My wife and I felt very reassured regarding our pension situation after the meeting. We would definitely recommend Simon to our family and friends.
Doug Pick
Doug Pick
March 16, 2023
I have dealt with Intelligent Pensions for a number of years, my main contact being at the time of the annual review. My most recent review has been with Tristan Edwards and I am indebted to him for the clarity of his presentation of important information and data which has enabled me to make important decisions about my pension commencement and the best format to meet my circumstances.
Grahame Johnston
Grahame Johnston
February 20, 2023
Never been disappointed by this company, their staff are to be admired, for their knowledge of the financial aspects, and their patience and understanding of their clients, will continue to use them for a while yet
Julie Dunn
Julie Dunn
February 17, 2023
Good having a Zoom meeting. Alison very easy to talk to and gives great advice.
Bea Holland
Bea Holland
September 21, 2022
My Husband and I would not hesitate to recommend Intelligent Pensions Limited.
Bern From Wales
Bern From Wales
July 27, 2022
Stephen Bush and John Pickering (FosterDenevo) have been my pension advisers for many years. They are polite and very helpful in explaining things and giving me good advice. I totally trust them and look forward to many more years of great service from them both.
Albert Cropp
Albert Cropp
June 21, 2022
I have recently had my annual review with Steve Bush, I am glad to say this went very well. Steve made the information easy to understand and follow. Clearly pointing out how my investments are performing. Explaining my options in the future. Steve made the review enjoyable, excellent.
Terry Osborne
Terry Osborne
March 14, 2022
Always a clear information of plan value and future investments and risk assessment. Answered my questions with knowledge and always helpful. Feel safe that my investment is their hands. Good work.

of our clients would recommend us to other people.


agree that we’ve clearly explained how their pensions and investments work.


say they are confident their adviser understands what’s important to them.