About haunted-spire
A retirement planning practice built on the belief that everyone deserves clear, honest guidance.
Our Story
haunted-spire was founded in 2009 by a small group of pension specialists who had grown frustrated with the way retirement advice was typically delivered. Too often, they saw clients confused by jargon, overwhelmed by options, or pushed toward products that benefited advisers more than retirees.
We decided to build something different. A practice focused entirely on the transition to retirement, where clients could receive guidance without pressure, explanations without jargon, and support without hidden agendas.
Over the years, we have helped thousands of individuals and couples move from working life to retirement with greater confidence and clarity. Some needed help understanding complex pension arrangements; others simply wanted a second opinion before making a significant decision. Whatever the need, our approach remains the same: listen carefully, explain clearly, and help people make informed choices.
What Guides Our Work
The principles that shape how we work with every client.
Transparency
We explain our fees upfront and make sure you understand exactly what you are paying for before any work begins. No hidden costs, no surprises.
Education Over Sales
Our goal is to help you understand your options, not to sell you products. When you understand your choices, you make better decisions.
Your Pace, Your Timeline
Retirement planning involves significant decisions. We never rush you. Take the time you need to feel confident about your choices.
Individual Attention
Every client's situation is unique. We take time to understand your specific circumstances rather than applying one-size-fits-all solutions.
Our Team
Experienced professionals dedicated to retirement planning.
Caroline Webb
Founding Director
Caroline spent 15 years in corporate pension administration before founding haunted-spire. Her deep knowledge of pension scheme mechanics helps clients navigate even the most complex arrangements.
James Morton
Senior Retirement Consultant
James brings a background in tax planning to the team. He specialises in helping clients structure their pension withdrawals in the most tax-efficient manner possible.
Priya Sharma
Retirement Planning Consultant
Priya focuses on State Pension entitlements and National Insurance records. She has helped hundreds of clients identify and address gaps that would have reduced their retirement income.
"Retirement should be something you look forward to, not something you dread because of financial uncertainty. Our job is to replace that uncertainty with clarity."— Caroline Webb, Founding Director
Our Journey
Key moments in our development as a retirement planning practice.
Practice Founded
haunted-spire opens its doors in Bristol with a focus on pre-retirement planning for individuals within ten years of leaving work.
State Pension Specialism
We expand our services to include detailed State Pension analysis, helping clients understand and maximise their entitlements.
Pension Freedom Response
Following major pension reforms, we develop new services to help clients navigate the expanded options for accessing their pension savings.
1000th Client Milestone
We celebrate helping our 1000th client plan their retirement, reflecting on the diverse situations we have supported over the years.
Remote Services Launch
We introduce comprehensive remote consultation options, making our services accessible to clients across the United Kingdom.
Continued Growth
Our team expands to meet growing demand, while maintaining the personalised approach that has defined our practice from the start.
Why Clients Choose Us
Independence
We are not tied to any pension provider or financial institution. Our recommendations are based solely on what makes sense for your situation, not on commission arrangements or sales targets.
Specialisation
We focus exclusively on retirement transition. This narrow focus means we stay deeply knowledgeable about pension regulations, State Pension rules, and retirement tax planning.
Accessibility
We explain things in plain language. If you do not understand something, ask - we will find another way to explain it. Financial jargon should never be a barrier to making good decisions about your future.
Frequently Asked Questions About Our Practice
Our services focus on education, information, and guidance about pension options. We help you understand your situation and choices. For regulated financial advice that includes specific product recommendations, we can refer you to appropriately authorised advisers we trust.
Yes. While our office is in Bristol, we work with clients throughout the United Kingdom. Our remote consultation services make it easy to access our support regardless of your location.
We charge fixed fees for our services, which we discuss and agree before any work begins. You always know what you will pay before committing. We do not receive commissions from pension providers or any other party.
Get in touch. Sometimes a brief conversation is all that is needed. We are happy to have an initial discussion to understand whether our services would be helpful for your situation.
Let Us Help You Plan Your Retirement
Start with a conversation about your situation and goals. We will tell you honestly whether our services would be beneficial for you.
Contact Us Today