About Retirement Professionals
Retirement Professionals is a team of FCA-regulated Independent Financial Advisers based in Worsley, Greater Manchester. We provide independent, whole-of-market financial advice to individuals, families, and business owners — both locally across Greater Manchester and throughout the UK via secure video and telephone appointments.
Whether you are building wealth, approaching retirement, or already retired, we offer clear and personalised advice at every stage of life. As a fully independent firm, we are not tied to any provider — our recommendations are always based solely on what is right for you.
✓ FCA regulated — Appointed representative of pi financial ltd (FCA 186419). Our FCA number: 622943
✓ Fully independent — Not tied to any provider or product
✓ VouchedFor Top Rated Firm — 2025 and 2026, based on verified client reviews
✓ Based in Worsley, Manchester — serving clients locally and nationwide
Independent Wealth Management & Financial Planning
For clients who are still building their wealth, we provide comprehensive financial planning designed to help you make the most of what you have and build confidently toward retirement. Our advisers help you:
- Grow your investments tax-efficiently
- Make the most of pension contributions and allowances
- Consolidate and manage multiple pension pots in one simplified arrangement
- Align your investment strategy with your long-term goals
- Protect your family and assets against the unexpected
- Stay on track with regular reviews and ongoing advice
Our role is to understand your objectives and recommend a clear, structured plan to help you achieve them — including actively managing your assets through our in-house risk-rated model portfolio service.
Specialists in At-Retirement Advice
Retirement is one of the most important financial decisions you will ever make. We specialise in helping clients who are approaching retirement or already retired and want clarity, security, and peace of mind. Our advisers help you:
- Understand all your pension income options
- Compare annuities and drawdown strategies
- Create a sustainable retirement income plan using cashflow modelling
- Manage investment risk throughout retirement
- Make tax-efficient decisions about lump sums and withdrawals
- Plan for later life, care needs, and inheritance
We take the time to explain your choices in plain English so you can make confident, informed decisions about your future. Find out more about our Retirement Planning service →
Whole-of-Market Non-Advised Annuity Service
Alongside our regulated advice service, we also offer a non-advised, whole-of-market pension annuity comparison service — completely free of charge. This service is ideal for clients who:
- Simply want to compare annuity rates across the whole market
- Prefer to make their own decision without receiving personal advice
- Need a quick, clear comparison at the point of retirement
We provide the information you need to choose the annuity that suits you — without giving personal recommendations. Compare annuity quotes →
Who We Typically Work With
Our clients come to us at all stages of their financial journey. We work with:
- Younger professionals who want to build healthy financial habits, start investing, and make confident early-career decisions
- Individuals building wealth from their 30s onwards who want to establish strong financial foundations and progress confidently toward retirement
- Pre-retirees aged 50–70 with pension pots of £100,000 or more who want to maximise their retirement income
- High-net-worth individuals and families with investable assets above £250,000 seeking independent wealth management
- Business owners looking to extract value tax-efficiently and plan for retirement
- Families concerned about Inheritance Tax with estates approaching or above the nil-rate band threshold
- Those approaching retirement who want to compare annuity rates or understand their drawdown options
- Clients nationwide who need a whole-of-market annuity comparison without taking regulated advice
Where We Work
We are based in Worsley, Greater Manchester and primarily serve clients across Salford, Eccles, Swinton, Walkden, Boothstown, Leigh, Atherton, Wigan, Bolton, Bury, Urmston, Sale, Altrincham, and the wider Greater Manchester and North West region. We also work with clients throughout the UK via secure video and telephone appointments — distance is never a barrier.
Our Commitment to You
Whether you are building wealth, preparing for retirement, or managing your income in later life, our commitment is the same:
- Independent advice based solely on your best interests
- Clear, jargon-free explanations at every stage
- Transparent fees with no surprises
- A long-term partnership focused on your financial wellbeing
Everyone at Retirement Professionals has energy, enthusiasm, drive and determination. Honesty and integrity are at the heart of everything we do — and your peace of mind is our priority.
Our Qualifications & Accreditations
Our advisers hold the Diploma for Financial Advisers (DipFA) and the Certified Professional in Financial Advice (CPFA). We are members of the London Institute of Banking & Finance (LIBF).
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Retirement Professionals Ltd is an appointed representative of pi financial ltd (FCA number 186419), authorised and regulated by the Financial Conduct Authority. FCA Reference: 622943. Registered in England, No. 8838280. Registered address: 1st Floor, 3 Worsley Court, High Street, Worsley, Manchester, M28 3NJ. You can verify our FCA authorisation at register.fca.org.uk.
Frequently Asked Questions
Are Retirement Professionals independent financial advisers?
Yes. We are a fully independent firm, which means we are not tied to any insurance company, pension provider, or investment house. We search the whole market to find the most suitable solution for each individual client.
Which areas do you serve?
We are based in Worsley, Greater Manchester and primarily serve clients across Salford, Eccles, Swinton, Walkden, Boothstown, Leigh, Atherton, Wigan, Bolton, Bury, Urmston, Sale, Altrincham, and the wider Greater Manchester and North West region. We also work with clients throughout the UK via video and telephone.
What is the difference between your advised and non-advised annuity service?
Our regulated advice service involves a full assessment of your circumstances and a personal recommendation — this is suitable for clients who want tailored guidance. Our non-advised annuity service is for clients who simply want to compare the whole annuity market and make their own decision, without receiving personal advice. Both services give you access to the full UK annuity market.
Do you help with Inheritance Tax planning?
Yes. Inheritance Tax planning is one of our core specialisms. We work with individuals and families across Greater Manchester and the UK to help reduce potential Inheritance Tax liabilities through legal and compliant estate planning strategies. Find out more →
What level of assets do I need to work with you?
We work with clients across a range of wealth levels. For our wealth management and IFA service, we typically work with clients with investable assets or pension pots of £100,000 or more. Our non-advised annuity service has no minimum fund requirement.
How do I get started?
Call us free on 0800 098 7050 or use our contact form. Initial consultations are free of charge and without obligation.
Ready to Talk?
Free initial consultation, no obligation to proceed.
The value of investments can go down as well as up and is not guaranteed. Tax treatment depends on your individual circumstances and may change in the future. Inheritance Tax planning is based on our current understanding of HMRC rules and legislation, which may change. Trusts are not regulated by the Financial Conduct Authority.
Retirement Professionals Ltd is an appointed representative of pi financial ltd, authorised and regulated by the Financial Conduct Authority. FCA number 622943.