"*" indicates required fields
or call +44 (0)1603 672777
Enjoy more from what you’ve built
Independent investment and pensions advice in Norwich. Chadwicks helps you plan strategically and build long-term financial confidence.
Retirement is one of life’s biggest transitions, and often one of the most challenging. After decades working towards freedom, reaching it can feel unexpectedly unsettling. While some adjust easily, many find the change of pace brings a sense of uncertainty and lost purpose, especially when work has shaped our daily routines.
The good news? In our experience, most people settle into retirement within a few months to a couple of years. It just takes time to adjust – and a little planning helps a lot.
If you’d like to plan your next chapter with clarity and confidence, start a conversation with a Chadwicks adviser.
Retirement today isn’t about slowing down, it’s about opening up new possibilities. We call this the “Life 2.0 mindset”. A chapter that’s every bit as fulfilling as the one before it. Whether it’s travel, volunteering, learning something new, or launching a passion project, retirement is your chance to start your next act, not the end of your working life.
This more active lifestyle calls for more flexible finances. Income needs may fluctuate, and your financial plan should be able to keep up. Life 2.0 is exciting, especially when you know your money is working for you.
The first question most people ask is: “Have I got enough?“
We’ll help you answer that with a clear, robust financial plan. Using detailed modelling, we’ll show you how your finances stack up – whether you’re stepping back completely or easing into retirement gradually.
We’ll also help you structure your savings and investments for maximum flexibility and tax efficiency. That usually means a mix of pensions and non-pension assets, tailored to your lifestyle and goals.
When you’re saving, market dips can be helpful. Buying low boosts your long-term returns. But once you start drawing income, those same dips can work against you. This is known as sequence of returns risk, and it can impact how long your money lasts.
We design portfolios that help protect against this risk while still giving your money room to grow and keep pace with inflation.
And when it comes to withdrawing funds, we’ll help you find the right balance. Take too much, and you risk running out. Take too little, and you might be remembered for throwing the best wake in living memory. We’ll guide you to a sustainable, sensible strategy that supports your lifestyle and your legacy.
Stepping away from work means more than changing your income – it’s a shift in identity, purpose, and daily rhythm.
This is where behavioural economics comes in. By understanding how our emotions, biases, and habits shape financial choices, we can help you make decisions that feel right both logically and emotionally.
Retirement isn’t the end of achievement – it’s a chance to redefine what fulfilment looks like.
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.
Why our clients choose Chadwicks ...
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
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
Why does retirement feel unsettling?
Even with a solid retirement plan, many people feel a loss of identity and routine when they first stop working. The good news is most settle into their “Life 2.0” within months as new purpose and possibilities emerge. Why not attend one of our Masterclasses – we often discuss the opportunities and challenges of retiring in more detail.
What is Life 2.0?
Life 2.0 is about redefining retirement as a new chapter, not an ending. With the right financial planning for retirement, you can shape this stage around travel, learning, volunteering, or passion projects. Why not attend one of our Masterclasses – we often discuss the opportunities and challenges of retiring in more detail.
How does behavioural economics help?
Behavioural economics shows how emotions and biases influence financial decisions in retirement. Understanding these patterns helps create smarter, more flexible retirement plans that support long-term security.
How do I know if I have enough to retire?
We use detailed financial modelling to show whether your savings, pensions, and investments can support your lifestyle. This gives you confidence that your retirement plan is both flexible and sustainable.