Retirement Planning in the City of London
Retirement planning in London is about more than having a pension. It is about designing the retirement you actually want, with the financial certainty to enjoy it. BB Financial Advice has spent 20 years helping clients across the City of London and Greater London build robust, realistic retirement plans. Our Chartered Financial Planners take a whole-of-wealth approach that covers every income source, asset, and liability you will carry into retirement.
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Building Your Retirement Income Plan in London
The core of any retirement planning service is understanding what income you will need and where it will come from. At BB Financial Advice, we map out your expected retirement income across all sources including workplace and personal pensions, ISA drawdown, rental income, and state pension entitlements. We then identify any shortfall and build a savings and investment strategy to close it, tailored to your timeline and risk tolerance.
Pension Planning and Drawdown Strategies
Deciding when and how to access your pension is one of the most consequential financial decisions you will make. BB Financial Advice provides clear, jargon-free guidance on pension access options, including annuities and flexible drawdown, helping City of London clients choose the approach that best suits their lifestyle and tax position. We model different scenarios so you can see the real impact of each choice.
Retirement Planning and Tax in the City of London
The transition into retirement carries significant tax planning implications. From managing income across multiple sources to avoid unnecessary tax, to structuring pension withdrawals efficiently, BB Financial Advice helps clients across London enter retirement in the most tax-advantaged position possible. We also consider the impact of retirement on your estate and Inheritance Tax position.
Independent Advice
ABOUT US
BB Financial Advice was founded by Bobby Bhuiyan, a Chartered Financial Planner and FCA Certified adviser with over 20 years of experience in the London financial market. Operating from Warnford Court on Throgmorton Street - just minutes from the Bank of England and the Lloyd's of London building - we are ideally placed to serve clients across the City and the wider capital.
Chartered Financial Planner status - the gold standard of UK financial advice
FCA regulated for your protection and peace of mind
Specialist in Inheritance Tax planning for London families
Free initial consultation with no obligation
Serving the City of London, Hackney, Islington, Camden, Whitechapel, Southwark, and Bermondsey
Many of our retirement planning clients are professionals who have built careers in London's tech, legal, finance, and creative sectors, particularly in areas like Hackney and the surrounding East London boroughs. They have accumulated good pensions and investments but have never brought it all together into a coherent plan. That is exactly what BB Financial Advice does. A single free call with our team can bring remarkable clarity to your retirement outlook.
STILL NOT SURE?
Frequently Asked Questions
At what age should I start retirement planning in London?
Ideally as early as possible, but meaningful improvements can be made at any age. A Chartered Financial Planner in the City of London will help you make the most of wherever you are starting from.
What does retirement planning at BB Financial Advice in London include?
We cover pensions, investment income, property assets, expected expenditure, state pension entitlements, and tax efficiency in retirement, all in a single coordinated plan.
How often should I review my retirement plan with a financial planner in London?
We recommend at least an annual review, or whenever a significant life event occurs such as a job change, inheritance, or approaching your target retirement date.
OUR REVIEWS
I had been looking for a financial advisor and after speaking to a few I was recommended Bobby by a close contact. I read reviews on Bobby on ‘vouchedfor’ and Google and found them to be very positive. Following this I made initial contact Bobby and found him to be very personable and felt at ease. Bobby has shown himself to be very experienced, knowledgeable and clear in his approach to financial planning. He patiently understands my requirements, aim and risk tolerance. Bobby in a short period of time has demonstrated the value he brings, has been consistent in his recommendations and flexible to my needs. I feel my finances are in a safe pair of hands. He was also transparent with the charges for his services.
Bobby was very helpful and patient , my situation is complex in terms of inheritance and we examined all options together. He evaluated all the scenarios highlighting the various pitfalls and myths associated with IHT, i was very impressed by his understanding of the tax implications.
Bobby has been invaluable! I had no idea where/how to invest re my pension and redundancy money, and have been so happy with how everything is working out. We just finished a meeting re estate planning, and now have a clear understanding of my next steps. Thank you Bobby!
From the very first call, Bobby has shown himself to be professional, concise and clear in his approach to financial planning. He invested time to patiently understand my financial goals and risk tolerance without any expectation, and took care to explain how he provides and charges for his services.
I have had a meeting with Bobby today to discuss my parents business which they hope to leave to my brothers and I and protect it for future generations in a tax efficient way which reduces their inheritance tax burden. Bobby offered very clear and relevant advice and listened carefully to the specifics of our situation. His advice was practical and offers clear tax savings. He explained his fees transparently and his fees are reasonable given the level of work required and the savings it will provide us with. I would recommend him.
Bobby offered me concise and clear advice. He showed great knowledge of estate planning and very quickly understood my personal situation and provided the best route forward. He has been part of my network for over 10 years and after consulting with a wide network of connections I found him to be the best. I would definitely recommend Bobby.
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OPENING HOURS
Mon: 9am - 5:30pm
Tue: 9am - 5:30pm
Wed: 9am - 5:30pm
Thu: 9am - 5:30pm
Fri: 9am - 5:30pm
Sat: Closed
Sun: Closed
SERVICE AREAS
City of London
Hackney
Islington
Camden Town
Whitechapel
Southwark
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Bobby Bhuiyan Financial Advice is a Trading Style of Aegis Financial Planning Limited (authorised and regulated by the Financial Conduct Authority – FCA No. 624298, Registered in England & Wales No 8946610).
Registered Office: Warnford Court, 29 Throgmorton Street, London, EC2N 2AT. Registered in England & Wales No 8946610. The FCA does not regulate taxation, trust or legal advice.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Trusts and Wills are not regulated by the Financial Conduct Authority.