Speak With Pension Advisor Callum

Fill the form below to arrange your Pension Health Check with Callum

Join 50+ Happy Clients Who Started Their Retirement Journey With A Pension Health Check

Find out how I’m helping dozens of clients retire all over the South East, UK.
"It's comforting to find a company that cares enough to spend significant time solving myriad issues, simply to ensure they can provide the best service. I had pension investments here, there, and everywhere, and when it came time to draw upon them, I was let down at every stage by my providers. I was in the dark. Enter Callum Healey at Apex Financial Planning Ltd to take on the heavy lifting, and everything got sorted. I'm delighted with his service, his meticulous attention to detail and his overall kindness. I'm confident in having placed my future financial planning with Apex.Highly recommended."
Mark Alder
"I cannot recommend Callum and the Team at Apex enough! Not only have they simplified for me what I struggled so much to understand, they have actively made me feel confident with the results that financial planning can achieve if done so with the right team!
If you’re were looking for reviews because you were on the fence about reaching out, take this as a sign to 100% do so! Best decision myself and my company made!"
Ashley Howells
"Callum at Apex has provided a fantastic service of moving my old corporate pension to their dedicated management services to get a better growth. He even spent the time to understand what age is best to retire at and how it would look for my family in the future. Looking forward to working together over the next 25 years."
Alex Binns
"I had an excellent experience in relation to my pension and investment planning. Callum demonstrated a high level of knowledge and professionalism throughout the entire process. Callum’s clear and consistent support gave me confidence that I was making well-informed decisions. I would really recommend this service to anyone seeking reliable and expert financial guidance!"
Hannah Walker
"Callum offers solid financial insight & is the best financial advisor I have used over the past few years the years. Thanks again!"
Alex Walker
"Apex Financial Planning Ltd, was of great assistance in helping and providing assistance as to what approach I should consider taking with regards to my pension.
The advice received was of great importance to me in formulating a decision."
John Woollard
"Callum is an excellent advisor who really cares about his customers. He has helped with our mortgage and protection, and also helped family members with various aspects of pension and investment advice. He is clear concise and puts your mind at ease through the whole process. I can’t recommend him highly enough."
Alex Gower
"Amazing service!! Callum Is  supportive , understanding and patient and always ensures any concerns we have are addressed. Overall his professionalism gives us confidence that he always has our best interests at the forefront of what he does . I would definitely recommend"
Claire Leake
"Callum has been brilliant with helping me navigate my pension pots and understand what I have where and get it working best for me. He’s a great guy and explains things in simple terms!"
Philippa Hawketts
"Callum was very professional and very accommodating. He really helped get my finances in order and sort my mortgage out. Great communication as well. I highly recommend him."
George Paphitis
"Callum has managed my finances forever and provided the best and most professional advice. I cannot recommend him enough, top tier service and a very knowledgeable professional"
Kelvin Cheng
"Callum from Apex really REALLY knows his stuff. I've had a great experience working with him and we always have a good laugh every time we meet. Don't bother going for anyone else if you want sound pension management."
Matt Buckland
"Callum really knows his stuff and provides an amazing, very personal service. I highly recommend him for anyone who wants to ensure they are getting the most from their pensions."
Barbara Walsh
"Callum helped me transfer an USA and set up some investments. He explains things so well and nothing is too much trouble for him. I thoroughly recommend him."
Ken Gower
"Callum has been truly amazing. He helped me organise my pensions. I’m now getting so much more from my pensions than I was previously. 100% recommend Callum."
Gary Burnell
"Callum is very professional and helpful in sorting out my financial situation and also very reassuring.
Would highly recommend his services"
Sandra Finniss
"Callum helped me build a clear plan with my pension and investments, he is very knowledgeable, kind and supported me through this process"
sarah moore
"Callum is an expert on pensions, I am always happy to refer clients to him."
Nigel Urban
"Highly recommend Apex Financial Planning for
all your pension and investment needs.
Wonderful service and explain everything very clearly."
Lucy Humphrey
Fantastic advice, communication and very knowledgeable.
Callum and the team will be my go to in the future.
Jamie Mcgeoghan
Exceptional service from Callum! Highly recommend it.
Martina Cowen Nutritional Therapy
Highly recommended and a very professional service
Stuart Ritchie
"Excellent service! Friendly and hassle free! Just what I needed!! Totally recommend!"
Ben May
"Fantastic service! Callum was very knowledgeable and explained everything every step of the way."
Kelly Mulholland
"Extremely helpful, knowledgeable and an honest broker! Highly recommend"
Adrian Stevens
"Absolute first class service.
Cal was very friendly professional, knowledgeable & helpful in sorting out pensions.
Would thoroughly recommend to anyone."
Donna Wyschna
"Callum goes above and beyond to help. He is both knowledgeable and trustworthy. Easily contactable with very speedy response times .We have great confidence in him"
Caroline Watson
"Callum is very professional and helpful in sorting out my financial situation and also very reassuring.
Would highly recommend his services"
Sandra Finniss

Frequently Asked Questions

I have some old workplace pensions and would like to understand what they will give me.

I'd be happy to take a look at your pensions. I can estimate how much regular income or cash lump sums they might provide when you retire.

I have a few pensions and want to know how much I will actually need when I retire?

I can work with you to estimate your living costs when retired.

We can look at different scenarios to figure out how much money you'll likely need to maintain your lifestyle. Then we'll see if your pensions cover that or fall short.

I have a few pensions and want to know how I can access the money when I retire?

I can explain when and how you can access your retirement money. Including looking at: pension ages, taking cash sums, setting up income withdrawals, purchasing annuities, etc.

We'll look at what amounts will be available and when, and decide how best to draw your pensions.

I have some pensions and am not happy with how they are growing money so far.

I'm happy to look over your current pensions, the funds they invest in, their fees and growth so far. I can let you know if they are tracking similarly to the wider market. Then give suggestions if changes may be needed to better target your goals.

I have some pensions and want to know when I can access the cash.

I can provide specifics on when and how you can access money from each of your current pensions. Including any preserved benefits, deferred schemes etc.

We can also talk about some best practices when it comes to accessing your pension pot(s).

I'm not happy with my current financial advisor and would like a second opinion.

I'd be glad to offer a free second look at your situation. I'm happy to go over your goals, investments, fees and other key items. I can provide feedback and suggest any recommendations as a second set of eyes.

I've changed jobs and have various pensions. What’s the best course of action?

Sure - combining old pensions often makes sense. I can look at each one, the investments, fees and growth. Then explain your options to consolidate them, like pension transfers or self-directed accounts, and recommend the simplest approach to maximise your pensions.