The peace of mind of knowing that your finances will meet your needs now and into the future, demand lifelong personal financial planning. Without it, sustaining your desired lifestyle and dealing with key life events like marriage, children and retirement can be a painful process. Personal financial planning smoothes your journey through life.

Cullen Financial Planning understand that your needs change over time. They have designed a service portfolio to ensure the right outcome for you, whatever stage of life’s journey you are in. Our aim is to build a long term relationship to help you plan mortgages, pensions, insurance protection and investments so that they are in place when you need them. We can also advise you on tax planning, inheritance management and small business investment.

A salary from employment is a cornerstone of most people’s financial plan. Pensions and related benefits are an important part of that plan. Recent upheavals in the pension market have meant that fewer people have a final salary, defined benefit scheme. The onus of risk and responsibility now often falls on the individual to meet personal expectations of retirement income. For our private clients, this forms part of our standard financial planning service.

Where we administer a staff pension scheme, via a pension scheme provider, we offer our managed pension scheme service. We provide consultancy and support to ensure the effective running of staff pension schemes. This ensures that individual scheme members receive the same care and attention as do our private clients, through annual personal meetings to track progress towards a target pension. This scheme minimises the cost of pension provision to a company, whilst enhancing the quality of advice to staff, and is normally provided without charge.