Philip McCarthy Financial Services Whitstable, Kent


A pension is an essential, tax efficient way of saving for retirement. With new pension freedoms there is more flexibility than ever when it comes time to retire.

Increasing flexibility can also lead to increased complexity so it is important to take independent advice to ensure the right decisions are taken at the right time.

Together we can look at your state pension projections, look to trace lost pensions, review annual pension benefit statements and get a complete understanding of your current position. Understanding this will allow us to see if there are any shortfalls and if so, to design a plan to get on track.

As an Independent Financial Adviser with Julian Harris Financial Consultants I am not tied to particular providers nor restricted to particular products, which means I can work on your behalf to provide an individually tailored solution to ensure you have sound foundations in place on which to build for the future.

Providing a professional, confidential and friendly service I will spend time with you understanding your current circumstances and future goals. Following research and analysis I will present a financial plan in line with your objectives which we can put in place over a suitable time frame.

Importantly, we will set up regular reviews to adapt your retirement plans to respond to any changes in your circumstances, whilst ensuring the plans continue to meet your needs.

As with all investing your capital is at risk. Past performance is not an indicator of future results and future returns are not guaranteed.

Philip McCarthy is an Adviser of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566 Co No. 3927189. Registered office: Julian Harris House, Musgrove, Ashford, Kent. TN23 7UN

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