Pension Advice, Planning & Wealth Management 2 -

Welcome to the home of the pension experts!

Pension Advice, Planning & Wealth Management

Pensions can be complicated, that’s why getting the right expert is vital if you are hoping for a comfortable retirement. Jargon free, personal & friendly advice delivered by a fully qualified & named expert.

Need Help? Don’t Worry, Just Contact Us!

Local Experts

Looking for pension & Retirement advice? We offer all clients a no-cost and no obligation review at our office, your home or using video conferencing technology!

Where To Find Us!

Contact Us Anytime!

At Financial Fortress, we maintain the highest levels of service and guarantee no jargon! No long wait times on the phone and easy to reach named & dedicated advisers!

Jargon Free Advice

A review with us will ensure you fully understand your plans, maximise your savings & the investments. We are obsessed with ensuring you a successful & secure future.

More About Us!

Your Local Pension Experts!

We offer a no cost or obligation initial review meeting. A dedicated expert will be allocated to you, providing the “Financial Fortress 5 star service” in pension advice. We are experts in all things related to pensions, taxation and wealth management!

Pension Review

Reviewing your pensions and retirement plans will help improve your pension pot for retirement, making you better off!

Learn More

Pension Transfer

If you have multiple Defined Contribution (DC) pensions (aka money purchase pensions), you may simply want to combine them for ease of understanding and simplicity.

Learn More

Pension Withdrawal

When can I withdraw money from my pension?
Learn how you make withdrawals and take your cash from your pension.

Learn More

Final Salary Pensions

Looking for advice about final salary pension transfers (aka defined benefit pension transfer)
Giving up your guaranteed income will have implications for the rest of your life, therefore best advice is vital!

Learn More

Jargon Free

We keep all our meetings jargon free in order to avoid confusion.

Local Experts

Local experts based in the Chester area.

Friendly Advice

Friendly advice from our warm team members.

Simple Costs

Costs made simple so you understand prices fully.

On-going Support

Our on-going service allows us to build great relationships with you.

Business & Private Clients

We deliver our 5 star service to everyone who needs it.

Pension Retirement Planning – Understanding how much you need to save to retire!

Everybody has their own idea of the perfect retirement but most simply don’t know where to start. Can I afford to retire? When can I give up work? It’s not always easy to know how much you will need to save to achieve this new lifestyle and timing decisions correctly is vital!

Making Things Simple! …

Firstly, What Is A Pension?

What is a pension? Essentially, a pension is simply a “tax wrapper” and all pensions require an “underlying investment”. The tax wrapper itself provides tax relief on your contributions (in other words, where you put money in, the government will also put money in). Your pension savings also grow tax free!

Once the tax wrapper (ie: a pension) is selected as most suitable for you, the actual investment within the pension itself is key, as this is where your potential growth will be generated. We have come across pensions that have not grown for over 10 years! Investments often come with many risks so expert advice is needed.

How much should you pay into your pension?

We understand that it isn’t that simple due to other things in life taking financial priority. However, saving into a pension from as young as possible will significantly increase the amount of money you will have going into retirement.

Why Would You Need Pension and Planning Advice?

If you are looking to save for retirement or have an existing plan and want to make sure your money is working hard and continues to grow, then independent financial advice could be exactly what you need.

Advice will be delivered by a fully qualified, named & dedicated member of our team.

What Our Clients Say!

     Excellent  
     Based on 74 reviews 
    
 
 
   
 
 
        
   Ian W 
 February 6, 2023
 
 
 Trustindex verifies that the original source of the review is Google. I couldn’t recommend Financial Fortress more highly if you’re looking for financial advice. Wayne has been incredibly helpful and taken the time to talk everything through in great detail to make sure we have all the information we need to make the right decisions. Give them a call today!
  
 
       
   Anthony Parker 
 January 26, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Just spent a very informative 90 MINS with Wayne Musker of Financial Fortress regarding my impending retirement. I am always weary of such institutions when dealing with my finances,and go into these situations with the view that they are only out for their own gain.
Wayne quickly made me feel very comfortable, through his professional manner and explanations in terms,that were easy to understand.
If Wayne is the standard to which Financial Fortress aspire,then I would have no hesitation in recommending this individual and his company to anyone requiring financial advice
  
 
       
   Michael Thomspon 
 January 19, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Wayne and the team are amazing, sorted out my pensions and private health care. Trust them completely, thanks again.
  
 
       
   Rachel RIGG 
 November 30, 2022
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended Malcom from Financial Fortress by a friend and I can understand exactly why they were so pleased.  Mortgages are not something I enjoy dealing with and Malcom completely took the pain out of it.  He looked for the best deal for me, dealt with all the form filling.  He was available to answer questions any time.  He explained the jargon and was patient when I had other things to deal with.  I will definitely be keeping his number for next time I need to remortgage.  One thing I really liked was he is not a pushy sales person but a genuinely good mortgage advisor with your best interests at heart.  Really pleased,
highly recommended. Thank you
  
 
       
   Padraig Confrey 
 November 3, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Supurb, friendly advice.

Wayne cuts through the financial jargon and simplifies the subject matter leaving you with a better, more clear understanding.

Highly recommend!
  
 
       
   Joshua Parkes 
 July 21, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Recommended by a friend who spoke very highly of financial fortress. I have very little knowledge on all things finance and Wayne was very helpful in answering all my queries and giving me independent advice to suit my current financial position. He was very helpful and the first session was free which is great!
Looking forward to working with you again soon! I will also be utilising your services such as mortgage advisors when buying a house.
Would recommend to anyone!
  
 
       
   Chloe Benson 
 February 2, 2022
 
 
 Trustindex verifies that the original source of the review is Google. We came to financial fortress for help with our first mortgage and Kieran was amazing and couldn't have helped us anymore. We have since re-mortgaged and didn't think twice about going back to Kieran for advice. We have undoubtedly asked some ridiculous questions but Kieran has been nothing but patient and helpful. Made our lives as stress free as possible with his prompt responses and organisation!
  
 
       
   MrWhoisjoegill 
 January 11, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Would highly recommend Financial Fortress if you are looking to get a mortgage. Kieran guided us through the whole process as first time buyers professionally, helping us understand and navigate purchasing our house. He was quick to respond to any questions and queries no matter how big or small, and worked with the other parties to make sure things moved along smoothly.  Having recently remortgaged our property, we had the same excellent service - quick to help out and lay it all out so we could choose the best option for us. Thanks Kieran!
  
 
       
   Rob Wilcock 
 December 16, 2021
 
 
 Trustindex verifies that the original source of the review is Google. Fortress were recommended to me from a good friend and after a couple of consultations I totally understand why. Wayne was patient with my questions and clearly explained all of the options presented to me. Very professional and most importantly I felt I could trust them with my investments.
  
 
       
   ziv kaner 
 December 9, 2021
 
 
 Trustindex verifies that the original source of the review is Google. We are first time buyers and had no real idea what were all the different steps and requirements for getting a mortgage. Malcolm presented us with all the info that we needed and helped us choose the product that is right for us. He was always available to help and quickly answered any questions.

What You Get With Financial Fortress

At Financial Fortress we are dedicated to providing every client with a 5 star service. This includes …