Live Well
The life you want doesn't happen by accident.
Most people know how they want to live. Few have a financial plan to deliver it. We change that.
Products. Pensions. Portfolios.
All useful. None of them the point.
The point is the life you want to live. The choices you can give your children. The work you stop doing at 58. The Sunday mornings with nothing urgent in them. The peace of mind that comes from knowing your later years are covered. The inheritance you leave without leaving a mess.
That's what a good financial plan makes possible.
People come to Pembroke.
For all kinds of moments.
A new job with a pension nobody's explained. A divorce that shattered everything. A business sold, money that needs to work harder than you did. A parent gone, and something unexpected left behind. A 40th birthday and the future no longer abstract. What these have in common isn't wealth. It's the moment someone should help you think clearly.
That’s what we do.
Unexpected events
Divorce, bereavement, redundancy. When life changes without warning, we help you work out where you stand and what comes next.
Planning for retirement
When can you stop? And what does the life look like after? We help you find your number and make sure the plan funds the life.
Working life
A pay rise. A new employer. Most people earn more in their 30s and 40s than they ever have. Few have a plan that keeps up.
Planning a family
Children change what money is for. School fees, protection, maternity leave, wills. We help you plan for the family you're building without putting your own future last.
Retirement
You've stopped working. Now your money needs to last 25, maybe 30 years, including care costs. We design a plan together to make sure it does, whatever comes.
Passing on wealth
From April 2027, pensions fall inside your estate for inheritance tax. Most people don't know that yet. The ones who plan now will keep significantly more for their families
Two ways to work with us.
Book a callLifestyle Advice
Some people need an advisor at the right moment. A clear view of where they stand. A plan for what comes next. An advisor who checks in regularly and picks up when something changes.
Pembroke Lifestyle Advice is built for that. Clear, honest advice at the moments that matter. A regular review to make sure you're still on track. The support you need, when you need it. Nothing less.
Lifestyle Planning
Some people want more than an annual meeting. A closer relationship. Someone who knows the full picture and stays across it as life moves.
Pembroke Lifestyle Planning goes further. An ongoing partnership with a dedicated planner who understands your life, not just your portfolio. We build the plan together, review it regularly, and adjust it when things shift. The goal isn't just retirement. It's everything between now and then.
Most people manage their finances alone.
Only 9% of UK adults paid for financial advice in the last two years, according to the Advice Gap 2025 report.
Many of the rest are managing on their own, or living with a plan they haven't looked at since they made it.
That gap doesn't announce itself. It shows up at 58, when you find out whether you can stop working. By then, some options are closed.
91% of people who paid for advice found it helpful, according to the Advice Gap 2025 report.
The ones who haven't tried it mostly think they don't need it. Some are right. Many aren't.
The initial call costs nothing. Not knowing is the expensive part. Let's see if we're the right fit.
What a good plan actually changes
You stop second-guessing.
Most financial anxiety isn't really about money. It's about not knowing. A clear plan, current, honest, and built around your life, removes the doubt. 91% of people who paid for advice found it helpful. Not knowing is the expensive part.
We stay across it so you don't have to.
Most of our clients hear from us before they think to call. We watch, we flag, we adjust when life changes or the rules do. Your plan stays current, so the right decisions are ready and waiting before you are.
Independent. Always.
No products to sell. No targets from a parent bank. Our only measure is whether your plan is working for the life you want to be living. If it isn't, we say so. Nothing else is pulling on the advice.
From First Call to Clear Plan
Three steps. That's all there is.
Talk to us
One call. No obligation. Tell us where you are and what you want. We'll tell you whether we can help.
See the plan
A clear financial plan built around your life. Not the same plan we gave the last person. Yours.
Get on with living
We handle the complexity. You get on with the reason you started saving in the first place.
The right advice and right plan starts with the right conversation.
Tell us a little about yourself. One of our advisors will be in touch within one working day.
30 minutes, by phone or online.
No pitch. No pressure. No paperwork.
A real person, within one working day.
Top 100Financial Advisors 2025
Book a call
Submit the form and pick a time that works for you.
Independent financial planners across the South East
Worthing
Phone: 01903 259200
Godalming
Phone: 01483 427366
Haywards Heath
Phone: 01444 405160
Uckfield
Phone: 01825 766130