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'The difference between a good retirement and a great one is rarely how much you have saved. It is how well you have planned."
We work with senior professionals and high-earning couples who have built substantial pensions and now need expert guidance on using them properly.
Our clients are not looking for generic advice. They want specialist expertise, a genuinely holistic view of their situation, and a plan built around the life they actually want.
We ask the questions others don't think to. We look at your investment strategy, income needs, spending patterns, and the decisions that are easy to get wrong when no one is looking at the whole picture. Then we build a plan that balances strong investment performance with the goals that actually matter.
Schedule a call with an independent Financial Advisor today
Active investment management led by senior specialists
Our goal is to deliver strong, risk-adjusted returns within a holistic plan built around your specific situation.
As an independent firm, we have access to the full market and are not tied to any single provider or product range.
Every investment decision is made in the context of your overall retirement plan, not in isolation from it.
We maintain a deliberately small client base, which means every client receives the level of attention their situation deserves. You are not a number here.
Our global investment team monitors markets, benchmarks performance, researches funds, and speaks directly with fund managers.
How we manage your investments
We manage investments actively and with purpose. We do not take a set-and-forget approach. Regular rebalancing keeps your portfolio aligned with your plan as markets move and your circumstances evolve. Every investment decision is ours to own.
As an independent firm, we have whole-of-market access. That means we are not tied to any single provider, platform, or product range. We select the most appropriate solution for each client from the full market, based on their specific situation and retirement objectives.
We take a holistic view of your investments. That means looking beyond raw returns to consider sequencing risk, drawdown sustainability, income planning, and how your investments interact with other assets you hold. Good investment management for someone in drawdown requires a different approach to someone still accumulating, and we build that distinction into every portfolio.
Our investment team includes global specialists who monitor markets, benchmark performance, and conduct fund-level research. You get institutional-grade investment capability within a boutique firm that knows you personally.
WHY WORK WITH US
2020 Financial is the right fit if...
You have a substantial pension (typically £500,000 or more) and want expert guidance on how to invest and access it efficiently
You are approaching retirement or planning for early retirement and want clarity on whether your plan is genuinely sound
You want direct access to a senior specialist, not a call centre, junior advisor, or rotating point of contact
You're transferring or have transferred a defined benefit pension and want to be confident it is being managed to the standard it deserves
Sound like you?
Book your free consultation to tell us more.
Our promise to you
NEARLY 20 YEARS OF SPECIALIST EXPERIENCE
Founded in 2007, we have been advising high earners and senior professionals on complex pension and retirement decisions for nearly two decades.
SENIOR ADVISORS ONLY
You work directly with a senior pension specialist and qualified retirement planner from the first conversation onwards. The person who knows your situation is the person who advises you.
PROACTIVE BY DESIGN
Regular face-to-face reviews and investment rebalancing. An open-door policy means you can contact us with questions or ad hoc requests at any time, all of which are included in your advice fee.
WHOLE OF MARKET INDEPENDENCE
We are not tied to any provider, platform, or product range. Every recommendation is tailored to your specific situation. No conflicts of interest. No proprietary products to push.
TRANSPARENT AND CLEAR
Recommendations made in plain English, connected to your goals and circumstances. We tell you what we think, why we think it, and what the alternatives are. You make informed decisions. We handle the complexity. No blind trust required.
Simon Garber, Managing Director and Pension Transfer Specialist
I founded 2020 Financial in 2007, nearly 20 years ago, with a clear purpose: to give high earners and senior professionals the quality of specialist retirement planning they deserved but rarely received from larger advisory firms.
I am one of a small number of qualified Pension Transfer Specialists in the UK, holding specialist FCA permissions and professional indemnity insurance for complex pension transfer advice. That qualification matters because defined benefit pension transfer decisions are among the most consequential and irreversible in personal finance. The advice has to be right, and it requires a depth of expertise that most generalist financial advisors lack.
Every client I work with deals directly with me. I am involved in every review, every investment decision, and every recommendation. That means when you call, you speak to the person who actually knows your situation. When something changes in your life or the market, the person who responds already understands the full picture.
Ready to plan your retirement properly?Whether you are five years from retirement or already drawing down, the right plan makes all the difference. Book a free call with Simon to discuss your situation.
We have spent nearly 20 years getting this right.
Proper retirement planning is genuinely complex. It requires understanding not just your investment performance, but your income needs, your spending patterns across what could be a 30 or 40-year retirement, how your pension interacts with other assets, and what happens when life does not go exactly to plan.
We have been working through these questions with clients for nearly 20 years. That experience means we have seen the mistakes that are easy to make, the questions that rarely get asked, and the planning decisions that look sound on paper but cause problems a decade into retirement. Our clients benefit from that accumulated knowledge at every review, not just at the point of initial advice.
We work with a small number of clients by design. That means that when you work with us, we know your situation in depth, notice when something has changed, and are genuinely invested in getting your retirement right.
It's good for you, good for business, and it's the standard we set for ourselves.
Independent Defined Benefit Pension Transfer Specialists
Defined benefit pension transfer advice requires specialist FCA permissions that only a small number of advisory firms in the UK hold. Simon Garber is one of just a handful of individually qualified Pension Transfer Specialists in the country. Pension Transfers are complex and in-depth; they require specialist training, permissions, and ongoing professional indemnity insurance for this category of advice, and they subject the firm to greater regulatory scrutiny.
We don't outsource this work. When you speak to us about a defined benefit pension, you'll speak directly to Simon, who personally conducts every assessment, every suitability review, and every client conversation in this area. This ensures you get the right advice throughout, and nothing is lost in translation.
If you have questions about a defined benefit pension, whether you are considering a transfer or have already transferred and want to review how it is being managed, book a call with Simon directly.
Client Testimonial
"...he makes every simple, straightforward and easy to understand"
As a business director, I knew I should have a pension but was unsure of how to go about this. Simon has been supporting me for a few years now. He makes everything simple, straightforward and easy to understand. I would highly recommend Simon and 2020 Financial.
Laura Green
INDEPENDENT FINANCIAL ADVISORS
Here are just some of the names we work with
As an independent firm, we are not tied to any single provider or product range. We have access to the full market and select the most appropriate investment structures for each client, including SIPPs, ISAs, investment bonds, and broader wealth management solutions.
