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Are you one of the 60% whose pension may not be enough to retire on?


According to the Pensions Policy Institute, in 2021, there were 5 million people approaching retirement who were at risk of not having an adequate pension income. And, in 2023, there are still people who are planning or approaching retirement who will face the same situation.

This does not have to include you.

Effective retirement planning is far more than simply contributing to your pension pot each month. It is about sound financial planning and making sure that your provider or advisor is managing your wealth in the most effective way to ensure that you can retire when you want, in the manner you wish.

Unfortunately, you’ll no doubt have heard ‘horror’ stories about people losing entire pension pots through mismanagement or simply finding out far too late that their pension pot has not been invested wisely enough to meet their retirement needs. Investments do carry risk and their value can fluctuate and performance of individual investments cannot be guaranteed or predicted.

Part of the problem here is that some providers simply follow a generic formula for every pension they manage. They do not take the time to listen to their client in order to understand what they actually want or are looking to achieve from their pension.

A better way.

Danbro Financial Planning takes a different approach. We like to meet with each and every client so that we have the time to fully understand where you are currently and where you would like to be in the future.

By taking this personal approach we are able to gain a complete picture of both your personal and financial situation and develop a robust, yet flexible financial plan that’s designed to achieve your goals.

This personal approach aims to provide you with greater peace of mind that your retirement plan is actively being managed by someone who understands intrinsically what your life goals are, in terms of enjoying a long, happy and financially stable retirement.

If you are approaching retirement or simply curious about where you are in your journey feel free to speak to us today, or take a look at our dedicated services, here.

We don’t stop there

Once financial or retirement plans are created, they’re often then left alone for years at a time without regular reviews. This can mean that your retirement plans and investments are perhaps not working as hard as they could be and may not remain on-track to meet your goals. It could also mean that during difficult times, you might be tempted to make unnecessary, unwise or even costly changes to your plan.

Danbro Financial Planning takes a more proactive approach to your financial plan and your investments. For clients that agree to our ongoing services, we meet regularly to actively monitor your plans to ensure that they remain suited to you needs, are tax efficient, low cost and are performing as they should be.  

This way, you can rest assured that we are helping you make sound decisions, saving you time, and providing the peace of mind and reassurance that you need.

We are always on hand to answer any questions or concerns that you may have with dedicated communication channels such as telephone, email and video calls.

Why not speak to us today and see if your retirement plan or investments could be working harder for you?

Book a Call

Blog written by
Liam Winstanley
Director & Independent Financial Advisor at Danbro Financial Planning | Website

Liam Winstanley is a Chartered Financial Planner and Independent Financial Advisor. He has worked in financial services for well over two decades, specialising in wealth management and financial planning including things like pensions, investments, retirement planning, financial protection and estate plans.

Liam is the Director of Danbro Financial Planning and is passionate about delivering the very highest standards in service, ethics and professionalism within the financial sector.

Away from Danbro, Liam is an avid long-distance runner and also turns out for his local cricket side, Brinscall CC. He lives in Lancashire with his wife and son.


Important Information

The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

The Financial Conduct Authority does not regulate tax advice.

Danbro Financial Planning Limited is an appointed representative of the Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority. Danbro Financial Planning Limited is entered on the FS Register ( under reference 796167. The information contained within this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit

Company number 11009261 registered in England. Danbro Financial Planning Limited Registered office address: Jubilee House, East Beach, Lytham St. Annes, United Kingdom, FY8 5FT.