We aim to demystify the world and language of retirement planning.

In simple terms, this means identifying what clients have already, where they wish to be in the future and creating a plan to bridge any gaps or shortfalls. The journey to financial security will be a shared one and by working together we can ensure the risks are mitigated, income is stable and we can adapt to the constant changes in daily and family life.


Continuous meddling by successive governments and Chancellors has resulted in a lack of faith in the industry and many clients have shied away from taking the actions they ought to have out of fear or lack of confidence. Whilst completely understandable, more often than not, taking no action simply results in a negative outcome.

The legislative and regulatory backdrop to the pensions world is possibly one of the most complicated areas of any profession outside of quantum physics.

By working together we can give you a clear and personalised retirement strategy from saving all you can afford from your monthly wage to complexed and life changing decisions about how to convert your careers earnings in to a secure and sustainable income to live a happy and fruitful retirement.


As with most industries, technology has evolved and the cost efficiencies have been passed on to consumers. Alas, sadly not in the pensions world – if you don’t take action, you are unlikely to benefit from improvements in the cost of management.


Markets move on a daily basis – fact. Sometimes markets move in your favour, sometimes against you. This we cannot change. However, what we can influence is the degree to which you are exposed to risk and ensure it is appropriate to your stage in your retirement journey and give you the best possible change of capitalising on market performance.

A pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

At Roxburgh Financial Management we provide specialist help to people unsure how to go about choosing from the many Pension products available.

We specialise in

  • Pension consolidation
  • Retirement Planning
  • Self-Invested Personal Pensions (SIPPs)
  • Small Self-Administered Schemes (SSASs)
  • Income sustainability solutions
  • Annuities

We ensure that you are in a fully informed position before any application is completed with you. This gives you the peace of mind of knowing that the recommendations made by our specialists will be tailored to your specific needs and budget.

If you’re unsure what you need then contact us either by phone on 0345 434 9505, or email or use the contact me option by clicking here

Six reasons to use us

  • We put our client’s needs above all else
  • We are 100% independent
  • We understand how important these decisions are for you
  • We will communicate with you in plain English with no jargon
  • Our advice is tailored to your demands and needs
  • Our advice will leave you in an informed position to make the right choices

You may also be interested in:

  • Wealth Management
  • Wraps and Platforms