Andy has 26 years in the financial services sector. Past 6 years spent advising as an Independent Financial Advisor. Andy specialises in retirement planning, particulary the following:

• The purchase of annuities and unsecured pension arrangements 
• Establishing Personal Pensions for the consolidation of pension benefits
• Pensions and divorse planning
• Single premium pension investments to compliment year end tax planning
• Nursing home planning
• Estate planning - utilising nil rate band discretionary will trusts, loan trusts & discounted gift trusts
• Lifetime mortgage and long term care insurance