Plan for the retirement you deserve—with expert, independent advice.
Your pension isn’t just a savings pot—it’s the key to your future lifestyle. At Need Financial Planning, we help you make smart, personalised decisions about pensions and investments, so you can look ahead with clarity and confidence.
Why Clients Choose Us
Independent & Whole-of-Market
We’re not tied to providers, so we always recommend what’s best for you.
Transparent & Trustworthy
No hidden fees. No jargon. Just clear, honest advice you can rely on.
Local, Friendly Support
Based in Broadstairs, we serve clients across Thanet and beyond.
How We Can Help
Navigating pensions, investments, and retirement income options can feel overwhelming. But with expert guidance, it doesn’t have to be.
We simplify the complex, helping you make informed decisions that align with your life goals—whether you're approaching retirement, already retired, or building long-term wealth.
Flexible Pension Options Explained
You now have more choice than ever in how to access your pension pot:
Lump sum withdrawals – Take some or all of your pension savings as cash
Flexible income (drawdown) – Withdraw what you need, when you need it, while keeping funds invested
Annuities – Convert your pension into a guaranteed income for life
Each choice has unique tax implications and benefits.
We help you weigh up your options and select the best path for your financial goals and risk tolerance.
Our Pensions & Investment Services Include:
Tailored advice on how and when to access your pension
Strategies to maximise tax efficiency and protect your wealth
Investment advice aligned with your risk appetite and aspirations
Planning for lump sums, regular income, or legacy goals
Cashflow modelling to visualise your future finances
Visualise your Financial Future
We use advanced cashflow planning tools
to model different retirement scenarios—helping you understand the long-term impact of your financial decisions today.
Whether you want to travel the world, downsize your home, or support your family, we’ll show you how your pension and investments can support your lifestyle—now and in the years to come.
What to expect
Review
Full audit of your current financial position.
Goals
Discuss your lifestyle goals, both short- and long-term
Research & Report
We locate suitable fund options aligned with your risk profile
Presentation
We present your options, including a visual cashflow plan
Decision
You decide whether to proceed—no pressure, no obligation
Implementation
We arrange any transfers or new fund setup, fully managed by us
On-going Management
Your investments are reviewed regularly to stay aligned with your evolving needs
On-going Reviews
We meet with you to review performance and adjust as life changes
What to expect
Review
Full audit of your current
financial position.
Goals
Discuss your lifestyle goals, both short- and long-term
Research & Report
We locate suitable fund options aligned with your risk profile
Presentation
We present your options, including a visual cashflow plan
Decision
You decide whether to proceed—no pressure, no obligation
Implementation
We arrange any transfers or new fund setup, fully managed by us
On-going Management
Your investments are reviewed regularly to stay aligned with your evolving needs
On-going Reviews
We meet with you to review performance and adjust as life changes
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We're here to help you navigate the complexities of finance confidently.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.
Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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