The transition planner

Approaching a new chapter in life requires calm thinking, clear understanding, and confident decision-making.

Change can be hard to navigate

If you’re approaching retirement, or another significant life change, questions that were once distant can suddenly feel urgent.

You may be wondering when you can afford to stop working, how much income you will need, or whether your pensions, investments, or inheritance are enough to support the life you want. You may also have broader lifestyle decisions to make around tax, family, property, travel, and how you want to spend your time.

When the bigger picture feels unclear, it’s hard to know what is possible, what needs attention, and how you can best prepare for your new phase of life.

Challenges you may be facing

Times of change can bring emotional and financial decisions together. When this happens, it’s important to consider both with the care and respect they deserve.

You aren’t sure when you can retire

You may have several pensions and savings, but no clear answer on when work can become optional.

You do not know how much is enough

You want to enjoy retirement without overspending, underspending, or worrying that your money may not last.

Your pension suddenly feels complicated

Different pension pots, rules, tax implications, and income options can make it hard to know what to do next.

You want to replace your workplace salary

Moving from regular earnings to pension income can feel unsettling without a clear structure for how money will arrive.

You are worried about making mistakes

Retirement decisions can feel permanent, making it important that you understand your options before taking a big step.

Your priorities are starting to change

As work becomes less important to you, your plans for travel, family, lifestyle, and the future can start to matter more.

Make change feel manageable

Retirement and other big life changes can affect far more than your finances. They can change your income, priorities, responsibilities, plans, and sense of direction.

Financial planning helps bring calm and structure to those moments, giving you a clearer view of your options and the confidence to make smarter decisions at a calmer pace.

We're here to help you

Understand when you can stop working

By looking at your pensions, savings, investments, spending, and future goals together, we help you understand when retirement may be possible, what income you may need, and what different choices could mean for your future.

Shape income around the life you want

A good retirement plan is not just about having enough; it’s about making your money work in a way that supports your lifestyle, priorities, and plans. With the right structure, you can create income that feels considered, tax-aware, and built around how you want to live.

Keep your plan moving with you

Retirement is not a single decision. Your needs, plans, family circumstances, and priorities may change over time. Our regular reviews help your plan stay relevant, so you can keep making informed decisions and feel confident that your money continues to support your life.

The promise of planning

See real stories from real people who trusted us to bring real change to their life and money.

Their stories

For the first time, I feel I can stop worrying and simply enjoy life

Emma

Watch Emma's story

We found a plan that balanced tomorrow's uncertainties with the life we want today

Justin

Watch Justin's story

The hardest conversations became the most valuable advice we ever received

Steve

Watch Steve's story

It’s as easy as one, two, three

From your first conversation to ongoing reviews, our process keeps you informed, supported, and in control.

Working with us

Step one

Listen and
learn

Step two

Design and
deliver

Step three

Review and
refine

Our reviews

Service worth celebrating

Read what clients say about us, from independent reviews and client surveys to personal experiences shared in their own words.

    
 
 
       Posted on Google  
   
   Bill Beaton 
 30 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have been a client of Hansford Bell Financial Planners of Tavistock Devon for several years-and Ross Biddiss of that Firm is my Financial Planner.I thoroughly recommend the Firm and Ross .He has always dealt promptly with all matters that concern me-and has always given trustworthy and sound financial advice.Ross is a very competent and reliable Financial Planner.--- - -Bill Beaton
  
 
      Posted on Google  
   
   walter allen 
 25 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Always extremely helpful and professional. We feel we can trust them with our financial affairs.
  
 
      Posted on Google  
   
   Paul Fryer 
 15 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from all at Hansford Bell. Professional advice and support, ensuring all my family requirements are met. Experts in their field and highly recommended.
  
 
      Posted on Google  
   
   stephanie Witherall 
 15 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very professional service helpful and friendly staff
  
 
      Posted on Google  
   
   June Jackson 
 11 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have been a client of Hansford Bell for many years and have always found them highly professional.  They are very knowledgeable as well as being pleasant and easy to deal with.
  
 
      Posted on Google  
   
   Rebecca Houlden 
 7 June 2020
 
 
 Trustindex verifies that the original source of the review is Google. Emma has been very professional and has a great foundation of knowledge. She has made me feel very comfortable and has been very helpful!

0

of clients believe that working with us has, or will, help them achieve their financial goals

0

of clients would recommend us to their friends, family, or colleagues

0

of clients were very satisfied that we understood their needs, goals, aspirations, and objectives

The transition planner

Change can be hard to navigate

Challenges you may be facing

You aren’t sure when you can retire

You do not know how much is enough

Your pension suddenly feels complicated

You want to replace your workplace salary

You are worried about making mistakes

Your priorities are starting to change

Make change feel manageable

We're here to help you

Understand when you can stop working

Shape income around the life you want

Keep your plan moving with you

The promise of planning

Emma

Justin

Steve

It’s as easy as one, two, three

Listen and
learn

Design and
deliver

Review and
refine

Our reviews

Service worth celebrating

0

0

0

Could your business run without you for two weeks? 5 signs it depends on you too much

Financial independence and retirement aren’t necessarily the same thing – here’s why

Your monthly update from Hansford Bell: Our new website and a cause close to our hearts

5 local charities making a real difference around Devon and Cornwall

How planning for Inheritance Tax now could save your loved ones stress in the future

Your monthly update from Hansford Bell: A huge congratulations to Lauren

Guide: Back to school: How to build a nest egg to fund your children’s education

The practical employee benefits that could help your business attract and retain top talent

Ready to plan with purpose?

The transition planner

Change can be hard to navigate

Challenges you may be facing

You aren’t sure when you can retire

You do not know how much is enough

Your pension suddenly feels complicated

You want to replace your workplace salary

You are worried about making mistakes

Your priorities are starting to change

Make change feel manageable

We're here to help you

Understand when you can stop working

Shape income around the life you want

Keep your plan moving with you

The promise of planning

Emma

Justin

Steve

It’s as easy as one, two, three

Listen and learn

Design and deliver

Review and refine

Our reviews

Service worth celebrating

0

0

0

Stay one step ahead

Could your business run without you for two weeks? 5 signs it depends on you too much

Financial independence and retirement aren’t necessarily the same thing – here’s why

Your monthly update from Hansford Bell: Our new website and a cause close to our hearts

5 local charities making a real difference around Devon and Cornwall

How planning for Inheritance Tax now could save your loved ones stress in the future

Your monthly update from Hansford Bell: A huge congratulations to Lauren

Guide: Back to school: How to build a nest egg to fund your children’s education

The practical employee benefits that could help your business attract and retain top talent

Ready to plan with purpose?

Listen and
learn

Design and
deliver

Review and
refine