Business Details
37 Years
experience
Trusted Financial Advisers for Personalized Wealth Planning
Established in 1989, Abacus Advice has built a reputation for delivering tailored financial solutions to professionals in their 40s and 50s. Our team of experienced advisers specialises in pension consolidation, wealth growth, and retirement planning, prioritising clarity and simplicity over complex jargon. We work collaboratively with clients to create structured financial strategies that align with individual life goals, ensuring peace of mind through transparent communication and no-pressure recommendations.With decades of combined expertise, we focus on long-term relationships, offering ongoing support to adapt plans as clients' circumstances evolve. Our holistic approach covers investments, risk management, and tax-efficient estate planning, supported by a five-stage process designed to provide a solid foundation for financial freedom. Recognised by the Financial Conduct Authority, we maintain rigorous professional standards while delivering a service that balances modern efficiency with personalised care.
Services
Financial Planning
Pension Consolidation
Investment Management
Retirement Strategy
Tax-Efficient Planning
Details
- Year established: 1989
Highlights and features
- 35 years of experience in pension and investment planning
- Personalised financial strategies tailored to individual goals
- FCA regulated for professional standards and client protection
- No-pressure approach with transparent fee structures
- Proven five-stage process for comprehensive financial planning
Associations and certifications
- Financial Conduct Authority
What people say
Excellent advice
Tax-efficient solutions
Personalised service
No-pressure approach
Lifelong support
Services
Financial Planning
Our financial planning service creates structured strategies to align your wealth with life goals. Through a five-stage process, we assess current assets, identify priorities, and develop actionable plans for pension consolidation, risk management, and retirement readiness. Clients benefit from ongoing reviews to adapt strategies as circumstances evolve, ensuring long-term financial security while maintaining tax efficiency and regulatory compliance.
Pension Consolidation
Specialising in pension consolidation, we help clients simplify fragmented retirement savings into cohesive strategies. By evaluating existing arrangements, we identify tax-efficient opportunities to maximise growth potential while minimising risk. Our approach ensures clients understand their options for income withdrawal, balancing immediate needs with long-term sustainability through FCA-regulated investment vehicles and regular performance monitoring.
Investment Management
Our investment management service focuses on growing client wealth through diversified portfolios tailored to risk tolerance and financial objectives. We combine market analysis with personal circumstances to select appropriate vehicles, from ISAs to collective investments. Regular reviews ensure strategies remain aligned with market conditions and client goals, supported by transparent reporting and adjustments to capitalise on emerging opportunities.
Tax-Efficient Planning
We specialise in creating tax-efficient structures for asset transfer and inheritance. Collaborating with legal professionals, we develop strategies to minimise inheritance tax liabilities while ensuring smooth wealth transition. Services include trust arrangements, gifting strategies, and lifetime exemptions optimisation, all delivered with clear explanations of complex regulations to empower informed decision-making.
Risk Management
Our risk management service identifies potential threats to financial security and implements protective measures. We assess life assurance, critical illness cover, and private medical insurance options to create tailored protection plans. This ensures clients maintain financial stability against unforeseen events while balancing premium costs with coverage adequacy, providing peace of mind for families and businesses.
People
Mike Hardy
Director
Founder with 35 years' experience in pensions and investments. Specialises in retirement solutions, combining technical expertise with accessible communication to help clients achieve financial freedom since 1989.
Kelly
Administration Manager
Brings 10 years' financial services experience after a 20-year career in fitness. Focuses on client relationship management, ensuring administrative processes support tailored financial solutions through meticulous attention to detail.
Brenda
Office Manager
Has managed operational systems since the company's incorporation in 1999. Ensures smooth administrative functions while maintaining client confidentiality and supporting advisers in delivering consistent service quality.
Questions
What financial planning services do you offer?
We provide comprehensive services including pension consolidation, investment management, retirement strategy development, tax-efficient estate planning, and risk management tailored to individual circumstances.
How do you tailor financial advice to individual needs?
Our five-stage process begins with understanding your unique goals, current assets, and risk tolerance. We create customised plans that evolve with your changing circumstances through regular reviews.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 402725, ensuring adherence to strict professional standards.
How are your fees structured?
We operate transparent fee structures with no hidden charges. Costs are clearly explained during initial consultations, with options for fixed fees or percentage-based arrangements depending on service complexity.
Can you help with early retirement planning?
Yes, we specialise in creating pathways to early retirement through strategic pension optimisation, tax-efficient income withdrawal, and sustainable investment growth planning based on individual circumstances.
How do I start working with you?
Begin with a complimentary discovery call to discuss your needs. We'll schedule a detailed consultation to assess your financial situation before developing tailored recommendations aligned with your goals.
Reviews (3)
John Goodman
Jun 28, 2019
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Mike and his team at Abacus have done a great job of managing my pension and have created ample growth. They offer a modern and connected service yet with old style personalised customer service and great communications. I wouldn't use anyone else.
Nikki Ward
Apr 26, 2019
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Abacus Advice has been dealing with my pension for several years, Mike nor his team has a no pressure selling. They have been brilliant accommodating to arranging meetings, Yazmine has been a star dealing with every issue and gets results. In all Fantastic to deal with they are a pleasure.
Christine Pike
Jan 29, 2019
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Abacus have been our financial advisers for a number of years. Mike and his team are always helpful, giving good advice with no pressure selling. They also are willing to arrange appointment times to suit us.
