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Get retirement ready with expert advice

Personal financial advice for a confident retirement. At a fraction of the cost.

Welcome to the retirement specialists

It’s never too late to get your retirement sorted. We’re retirement specialists, and we’re here to do the hard work for you, and help you feel confident about your retirement future.

Find out your retirement income in 5 minutes

Answers to the top 5 retirement questions

Have a free 15-minute call with an expert

What you get with our expert financial advice

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Dedicated financial adviser

Ongoing support, advice and updates to make sure your retirement savings are working as hard as they can.

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Financial confidence for retirement

Know you can afford to retire, what you can afford to spend and that your money is planned to last.

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Peace of mind for your decisions

Reassurance that your retirement choices fit your needs, with expert support to evaluate your options.

Meet our team

Tim Pakenham

Tim Pakenham, Financial Planning Consultant

"We take time to answer any questions and help make sure your free consultation with a financial planner is as valuable as possible."

Vicki Mcgee

Vicki McGee, Financial Planner

“My job is about helping people live the best possible retirement for them and taking away their worries.”

Lysanne McBride

Lysanne McBride, Financial Planner

"A lot of people feel retirement is a minefield. I'm lucky enough to see the genuine difference that advice makes to them and the pressure I can take away."

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Long-standing experience

Join the thousands of people we’ve helped with their retirement previously as Standard Life, and now abrdn.

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Low charges

You’ll receive advice over the phone and online, so we can keep charges as low as possible.

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Accessible advice

You only need £50,000+ in savings to use our service. Much less than many traditional advice services.


Book a free 15-minute call with us today to start exploring your future.

What would you like to discuss?

Our clients rate the call 4.5 stars out of 5

Personal financial advice at a fraction of the cost

And if you’re planning with a partner, you won’t be charged twice.

We’re retirement specialists. And, on average, we’re 50% cheaper than the market over five years, with a £999 one-off fee, plus a 0.5% a year charge for ongoing advice.

What you pay is the same whatever type of retirement support you need, whether you’re:

  • Looking to consolidate multiple pensions
  • Need to know when you can afford to retire
  • Want to take income from your pension
  • Thinking about taking tax-free cash

Or all of these.

Plus, we’ll tell you if we don’t think you’ll get great value for money from our service.

Holly Mackay

Holly Mackay

CEO and Founder - Boring Money Digital Advice Group

“Peace of mind for 50+ customers planning for retirement who want some advice and someone to tell them what to do – without paying over the odds or getting anything too fancy.”

Holly Mackay

CEO and Founder - Boring Money Digital Advice Group


Retirement seemed some way off for Karen

“Ultimately, it meant I felt more in control of my finances and could confidently make the decision to wave the office goodbye.”

After a divorce and recent redundancy, Karen knew what she wanted from retirement. She just didn’t know if she could take the plunge now. We showed her that she could live the retirement she wanted and her money could last through retirement.


Mr Wood knew what he wanted his retirement to look like

“I’m choosing to work in retirement because I love what I’m doing.”

Mr Wood had been planning his retirement for three years before the day itself arrived. He felt well-prepared after taking financial advice. And through a combination of workplace pensions, an annuity and savings had an income that was planned to last 30 years.