A clear plan for the life you're working towards.
Independent financial planning from a Lancaster office you can walk into — pensions untangled, savings put to work, and the people who depend on you protected.
Three things, and how they fit together.
Retirement, investing your savings, safeguarding your home — or some combination of the three. The range of options can be intimidating, and our job is to simplify it for your circumstances.
Pensions & retirement
Retirement isn't just a dream — it's essential. We make pension planning easier: untangling the pots you've collected along the way, checking the tax position, and helping you choose how to take your retirement income.
Investments
Carefully managed investments are one of the best ways to build your family's financial security. We start with your goals, your investment history and how much risk sits comfortably with you — then tailor a portfolio to match.
Protection & insurance
Your home is probably the biggest commitment you'll ever take on, and there are plenty of 'what ifs' while there's a mortgage to pay. We work with insurance providers to find cover that suits your situation and your budget.
Your first conversation is free, and there's no obligation. See how it works
How we work and how we charge.
We're independent and whole of market, so our recommendations come from the full range of providers rather than anyone's shortlist — and every recommendation is put in writing, in plain English, before you commit to anything. Then we stay with you: we review your plan together every year, because life rarely stands still.
If you take our advice, we charge a fee for our services on completion — never before, and we'll always explain it clearly first. And one honest note that applies to all investing: investments can fall as well as rise, and you may get back less than you invested.
Your first conversation is free, and there's no obligation. See how it works
What clients say about planning with PBS.
“Great financial advice, very clear and concise and with no pressure. I've used Ross a couple of times now and he couldn't be more helpful, that goes for the rest of the team too.”
Jon Ford · Google review“PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again.”
Helen Hanks · Google review“They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.”
Ashley Foster · Google reviewStart with a conversation, not a commitment.
Whether it's pensions you've lost track of, savings that could be working harder, or the 'what ifs' keeping you up — tell us roughly what's on your mind and we'll come back to you within one working day. No hard sell, no obligation, no jargon.