Jonathan Hartwell
Founder · Chartered Financial Planner
Focuses on Defined Benefit warnings, drawdown sequencing, and couple cashflow plans.
The firm
Advice rooted in pension paperwork, not slogans
Hartwell Wealth & Pension Advice grew from years of sitting with clients who held three workplace pots, a half-read State Pension forecast, and no single view of retirement income.
Why we exist
Households across Great Britain gather pensions the way they gather jobs—quietly, over decades. When retirement nears, those pots rarely speak to each other. Our work is to make the income story readable: which scheme funds which year, what tax appears, and what to leave alone.
We practise from 54053 Maximillian Manor in Upton Hackett, meeting clients in person when travel is easy and by video when it is not. The setting is Scotland; the advice covers clients across GB who need regulated pension and wealth guidance.
People you may meet
Planning conversations are led by Chartered Financial Planners with pension transfer and retirement income experience.
Fiona Macrae
Senior planner · Pensions & IHT
Leads consolidation reviews and inheritance tax consultations where pensions sit inside the estate picture.
How we work with you
Statements before opinions
We collect scheme paperwork first. Recommendations wait until the numbers are on the table.
Written assumptions
Every plan states inflation, longevity, and growth assumptions so you can challenge them.
Clear edges
We do not draft wills, manage discretionary portfolios in-house, or sell urgency. Where a solicitor or discretionary manager is needed, we say so.