"*" indicates required fields
or call +44 (0)1603 672777
Building confidence in your next chapter
Independent investment and pensions advice. Based in Norwich and servicing the UK, Chadwicks helps you plan strategically and build long-term financial confidence.
Planning for retirement is one of the most important financial decisions you’ll make, and pensions sit right at the heart of it. Whether retirement is just around the corner or still a few years away, understanding your pension and how it fits into your broader financial picture is essential.
For many people, pensions are the largest financial asset after their home. Yet they’re often underused or misunderstood. At Chadwicks we help demystify pensions – explaining how they work, what you’ve built up, and how to make the most of them. We support clients across East Anglia and beyond to understand contribution limits, tax relief, lifetime allowances, and how to draw income in a way that’s both flexible and tax-efficient.
A good retirement plan starts with clarity. We use cashflow modelling to help you visualise future spending and income needs, factoring in lifestyle goals, inflation, and unexpected costs. From there, we look at how your pension, savings, and other assets can support those needs over time.
Why our clients choose Chadwicks ...
Our experience with Chadwicks has been excellent. Radi has worked closely with us to ensure a smooth transition and ongoing relationship, and the team is always quick to respond, I’ve almost got Radi on speed dial! Communication has been clear and effective throughout, and we feel confident knowing Chadwicks is available whenever we need them. Over the past few months, we’ve added further funds and are already considering future planning, including inheritance tax. We’re very happy with the service and have recommended Chadwicks to others.
Rob Smith
Chadwicks has made it easy for me to take a hands-off, long-term approach to my investments, which suits me perfectly. I feel well-informed through their regular email update . The team is flexible and accommodating when it comes to scheduling reviews, and while I haven’t taken full advantage of their webinars or social events yet, but hope to soon when my schedule allows.
Alex Robinson
When I set out to find an investment adviser, I thought I needed someone who could talk numbers. The first adviser I met did just that, for two hours straight. But it felt transactional, not personal. Then I spoke to Richard at Chadwicks. We spent two hours talking about my goals, my life, my family, what I wanted, not just my money. The conversation made it clear, I didn’t just want someone to manage my portfolio, I wanted someone who listened. Richard did. That’s why the choice was obvious.
Alison Beech
From the beginning, Chadwicks delivered exactly what was promised, no surprises, just solid, personal service. It’s the kind of firm where you feel like an individual, not a number, and the culture reflects that. Communication is spot on, relevant, timely, and never overwhelming. I trust them to manage my investments without needing to check in constantly, and I’ve even recommended them to friends. I’ve recently asked for help with my daughter financial planning, and I really appreciate their willingness to support us both, even though she’s not yet a client.
Tony Searle
From the very beginning, Chadwicks has provided clear guidance and reassurance. They’ve helped me plan the timing and structure of my investments with confidence. We’ve also explored pension planning options, annual contributions, and tax efficiency strategies, all explained in a way that makes complex decisions feel simple and manageable. Communication has been excellent; I always know who to contact, and I appreciate being introduced to additional team members, so I feel supported at every stage. Chadwicks has also taken the time to advise me on sensitive matters with care and professionalism. The settling-in process has been friendly and thorough, and I’ve already recommended Chadwicks to others.
Juliette Hopkins
Key decisions, such as, when to access your pension, whether to take a lump sum, or how to balance drawdown with other income can have a lasting impact. We guide you through these choices, helping you weigh the trade-offs and avoid common pitfalls.
For business owners and higher earners, pensions can also play a role in succession planning and intergenerational wealth transfer. We tailor our advice to reflect your circumstances, ensuring your pension strategy supports both your retirement and your legacy.
Ultimately, retirement planning is about more than reaching a number, it’s about building a future you can look forward to. With the right pension strategy and a clear plan, you can step into retirement with confidence, knowing your finances are working for you.
Discovery chat
Firstly, contact us and we’ll arrange a no-obligation discovery conversation with one of our wealth managers to learn more about you and what matters most.
Detailed proposal
Based on our discussion we will give you a detailed proposal that clearly sets out what we expect to deliver and the fees involved.
Make a plan
Once you’ve accepted our proposal, we’ll begin by getting to know what matters most to you. From there, we’ll turn those motivations into clear, meaningful goals and agree together on the priorities and the best way forward. All of this comes together in a tailored plan that reflects your values and aspirations.
Implementation
We take the lead on implementing your plan, ensuring everything is executed carefully and effortlessly on your behalf.
Keep on track
It doesn’t end there. We’re here for the long haul, with ongoing support, adapting your strategy as life evolves and keeping you one step ahead.
How much do I need to retire comfortably?
The answer depends on your lifestyle goals, expected expenses, and income sources. We use cashflow modelling to show what different scenarios look like – helping you understand how much you’ll need and whether you’re on track.
When should I start taking my pension?
Timing can have a big impact on how long your pension lasts. We’ll help you consider tax implications, income needs, and market conditions to decide when and how to start drawing benefits.
What’s the best way to take income from my pension?
There’s no single answer. Some people prefer drawdown for flexibility, others choose annuities for certainty. We’ll guide you through your options, comparing the pros and cons and ensuring your strategy supports your wider financial plan.
Can I combine multiple pensions or old workplace schemes?
Yes – and doing so can often simplify management and reduce costs. We’ll review your existing arrangements, assess any guarantees or benefits, and recommend whether consolidation makes sense for you.