Truly independent financial advice

Pensions and Retirement Planning

Once you reach the stage where you're considering your retirement income, expert financial advice becomes even more important. Many of the choices you make at this time will affect your lifestyle so you need to make sure they're right.

Pensions can also be used as a very effective form of tax planning; reducing your immediate income tax liabilities, achieving tax free growth, providing a tax-free lump sum in the future and potential to pass on their value to the next generation (and beyond) without any inheritance tax being payable.

It's essential that you review your pension situation regularly. We can advise you on taking steps to make it more certain that your pension pot will be able to achieve the income you want when you retire.

We can guide you through key life decisions and advise you on tax-efficiency, making certain that you're saving enough into your pension enabling you to enjoy the retirement you deserve.

Options are varied and can be tailored to your circumstances.




Advice on taking benefits from pension schemes

We are experienced in providing advice on the many options available when taking benefits from pension schemes, including:

  • Pension Fund Withdrawal (Flexi-access Drawdown)
  • Phased Retirement
  • Pension Lump Sum Investment/Portfolio Planning
  • Capped Drawdown Review
  • Annuity Purchase
  • Impaired Life/Enhanced/Smoker Rate Annuities
  • Investment Linked Annuities

Decisions that are made today can have an impact on your retirement income and lifestyle, so it's important to get the right advice. That's where we can help.




The value of your investment or pension can fall as well as rise and you may not get back the original amount invested.

The levels, bases and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to future change.

The Financial Conduct Authority do not regulate tax planning.






Kennet Financial Services

Our aim is to offer clients Financial Peace of Mind and Real Value for Money

About us

Independednt Financial Advisers (IFAs) based in Devizes, Wiltshire

Our philosophy is simply to guide our clients through the various stages in their lives where expert financial guidance is required from an experienced and trustworthy adviser.

Our aim is to help our clients achieve their financial objectives in a tax efficient and easily maintained manner with clear, uncomplicated solutions.

The reward is being able to work at achieving a long and happy association with clients where trust and transparency are paramount in the relationship.

Advisers David Kinch and Ben Trow have many years experience working with Individuals and Businesses and have built a reputation based on trust and the ability to explain what can be complicated subjects in easy to understand ways both face to face and in writing.

We use our experience to cut through the jargon unfortunately plaguing our Industry to provide options and solutions tailored to your needs.


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We serve people best who:

  • have little time and/or expertise to manage their financial affairs
  • are seeking expert financial advice and/or investment review
  • want help to formulate and maintain a clear financial plan and strategy to make the most of their hard earned money
  • need a “sounding board”
  • want the discipline of a regular review of their finances
  • are seeking a sense of control, peace of mind and financial freedom
  • regard service and a trusted relationship as key to working with advisers of any sort

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Our Specialist Areas

The Financial Services Authority does not regulate Taxation & Trust advice or Will writing.

Kennet Financial Services provides services like financial planning and financial advice, tax, personal pension advice as well as business advice. We also provide many other types of advice and private investing in Devizes, Wiltshire.

We offer a comprehensive financial planning service to include tax planning opportunities. We also provide a bespoke investment management service with an emphasis on strategic asset allocation.



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