Advice that helps your money last as long as you do.
Retirement rarely follows a straight line. Hill Grafford gives you a calm, independent plan for drawing an income, protecting what you've built, and passing it on — reviewed with you, year after year.
Patient, independent, and built for the long horizon.
Being independent means we can recommend from across the whole market, not a limited list. And because retirement money has to work for decades — not quarters — the plan is built to hold steady through the ups and downs, and reviewed with you as life changes.
Independent, not tied
Recommendations come from the whole of the market and are chosen for you — never because a provider is on a shortlist.
Plain English, always
You'll understand every recommendation and why it's being made. No jargon, no pressure, no assumptions about what you already know.
A steady hand
Markets rise and fall. A good plan is designed for that in advance, so you can stay invested and calm when others panic.
The four things that matter most in and around retirement.
Most clients come to Hill Grafford for one of these and find the others are connected. We look at them together, so the whole picture works.
Pensions & retirement income
Turning pensions and savings into a reliable, tax-efficient income that's built to last — including drawdown strategy and AI-assisted pension market reporting to keep your arrangements competitive.
Investment planning
Portfolios shaped around your goals and your comfort with risk, using ISAs and other wrappers to keep more of your returns and protect capital through volatility.
Estate planning & tax
Passing on what you've built with as little lost to inheritance tax as possible — and specialist tax advice to make the most of the allowances available to you.
Protection & life assurance
Making sure an illness or the loss of a partner doesn't derail the plan, with protection sized to your real needs rather than sold to you.
Three unhurried steps to a plan you understand.
A first conversation
We talk through where you are, what you want retirement to look like, and what's on your mind. No cost, no obligation — just a chance to see if we're a good fit.
Your tailored plan
Simon researches the whole market and builds recommendations around your circumstances, then explains each one clearly so you can decide with confidence.
Ongoing reviews
Life and markets move. We review your plan together on a regular basis and adjust it as your needs, the rules, and the world change.
One adviser who knows your name and your plan.
Hill Grafford is the independent practice of Simon Every, who has been advising clients since 2000. When you work with the firm, you work with Simon — not a call centre or a rotating cast of advisers.
That's a deliberate choice. Retirement planning is personal and long-term, and it works best when the person giving the advice actually remembers your circumstances, your family, and the conversations you've had over the years.
- Independent Financial Adviser (IFA)
- Member of the Chartered Insurance Institute
- FCA authorised & regulated (Reg. No. 418807)
- Advising retirees and near-retirees since 2000
Not sure if your retirement savings will last?
That's exactly the question worth answering early. A first conversation is free, informal, and entirely without obligation.
Book a conversation with SimonLet's talk it through.
Call, email, or send a message and Simon will get back to you personally. There's no cost for an initial conversation.
- Office
- 01733 913587
- Mobile
- 07967 015805
- simon@hillgrafford.co.uk
- Address
- 2 Middle Farm Cottage, Main Street,
Southorpe, PE9 3BX