Led by Experience, Built for You
UK Financial Planning was created by Matt Leadley, a pension advisor with over a decade of experience in retirement and financial planning.
After working for several advice firms, Matt launched UK Financial Planning to offer something more direct, independent pension advice that puts clarity, transparency and long-term support first.
That approach runs through everything we do. We help people understand their options, avoid unnecessary complexity and get a plan in place that suits their situation.
Whether you are reviewing old pensions, planning how to draw income or checking if your current setup still fits, we give advice that’s grounded, personal and designed to be useful from day one.
Supporting Real Retirement Decisions
Most of the people we advise are either approaching retirement or already taking income from their pension.
Some are unsure whether their current plan is sustainable, others have built up several pension pots and want to know what to do with them, many are simply looking for a clear, structured way to move forward.
We help you make sense of where you stand, what your pensions are doing, and how they can be used to support the way you want to live.
That might include reviewing how your funds are invested, consolidating older pensions, or planning how to take income in a way that avoids unnecessary tax.
When you speak to us, you’ll get direct, independent advice that reflects your circumstances and explains what to do next.
Our Service
01 Advice That Starts with Your Goals
We don’t make assumptions about what you need. We begin by understanding what matters to you and how your pension fits into that.
Whether you’re focused on stability, flexibility or longer-term planning, we build the advice around what you want your retirement to achieve.
Your pension advisor will take the time to review your existing plans, explain how they’re currently working, and talk through your options in plain terms.
If we think there’s a better way to structure things, we’ll show you what that looks like and why it might suit you better.
Our role is to give advice that fits you, not advice that fits a template.
02 Independent Research with No Ties to Providers
We are a fully independent firm, which means we are not tied to any pension or investment companies.
This gives us the freedom to look across the whole market and recommend what genuinely suits your circumstances.
If your pensions need reviewing, consolidating or rebalancing, we will walk you through the available options and help you weigh up the risks and benefits of each.
Our advice is based on real analysis, not a preferred list or commission agreement.
You’ll always be told why we’re recommending something, and how it connects to your goals.
03 Clear Fees, Explained Up Front
All of our fees are paid directly by you and clearly outlined before any advice is given.
We do not take commission from providers, and there are no hidden charges.
That means our advice is based entirely on what’s right for your pension.
We will explain how the fee structure works, what you’re getting in return, and when you’ll be charged.
Everything is kept simple, transparent and focused on value, so you can stay in control throughout the process.
04 Support That Lasts Beyond the First Meeting
Retirement isn’t a one-time decision. Circumstances change, markets move and priorities shift.
That’s why we offer ongoing support and reviews where needed, so your pension strategy stays on track.
If something in your life changes, or if legislation affects how your pensions are taxed or accessed, we’re here to help you make any necessary adjustments.
Our goal is to make sure your plan continues to work for you, not just now but throughout retirement.
Why People Come to Us for Pension Advice
They’ve Built Up Multiple Pension Pots
Many people come to us because they’ve worked in several jobs over the years and have ended up with multiple pensions.
Often, they’re unsure how those pensions are invested, what they’re worth, or whether they’re still suitable.
We help review what you’ve already built up, explain what each plan is doing, and talk you through whether combining them would improve clarity, reduce fees, or give you more control.
They’re Already Taking Income but Unsure If It’s Sustainable
Some customers speak to us after they’ve already started drawing income from their pension.
They may have taken advice in the past, or simply followed a provider’s process, but now want to know if their current strategy will last.
We review your income plan and assess whether the level of withdrawal is realistic over time. If changes are needed, we’ll explain your options and help you make any necessary adjustments.
They’ve Never Had Proper Advice Before
It’s common to reach retirement age without ever having spoken to a pension advisor.
Many people rely on employer schemes, old guidance, or online tools until they realise they need something more personal.
We help you step back and look at the full picture, explaining what’s already in place and what could be improved. Advice doesn’t have to be complicated, it just has to be right for your circumstances.
They’re Concerned About Tax
We often hear from people who want to understand how to draw income without triggering unnecessary tax charges.
Others are thinking about how their pension might be passed on and want to plan more efficiently.
Our role is to explain the tax rules in plain terms and help you use your allowances in a way that makes sense for your goals. Every plan we build is designed with tax in mind.
They Don’t Know If Their Pension Is Invested Correctly
Some people aren’t sure how their pension is invested or whether it reflects how close they are to retirement.
Others are in default funds they didn’t choose or have personal pensions they haven’t looked at in years.
We help you understand where your money is currently invested, whether that’s still appropriate for your age and risk profile, and what adjustments might be worth considering.
You stay in control, but with a clearer view of your options.
They Want Help Planning What Retirement Will Actually Look Like
Not everyone who comes to us has a specific problem with their pension. Some just want a clearer sense of what they can afford to do in retirement and how long their money might last.
We take your income sources, planned spending and future priorities into account, then help build a plan around them.
It’s not about forecasting every detail, but setting realistic expectations and giving you the tools to make better decisions.
Speak to Matt directly
Matt Leadley Independent Pension & Retirement Adviser
Every enquiry that comes through this website is handled by Matt, not passed to a call centre. The first conversation is free, there is no obligation, and you will get a straight answer about whether advice would actually help you.
Book a free, no-obligation consultation
A short conversation is usually enough to tell you whether advice would help, and what it would cost. There is no charge for the first call.
9:00am to 5:00pm