Why choose us?

With thousands of advisers out there, how do you choose the right one? Here are some reasons why you should consider working with us:

We are specialists in retirement planning

We work with people who are planning for or who are already in retirement. We use state of the art technology or financial ‘sat-nav’ to build a picture of where you are now and how to plan the route to a successful retirement.

We use state of the art technology

We use sophisticated cash flow analysis software to help you visualise your future and build your retirement plan. The software uses your current financial status to create an initial plan. With Paul, you can then explore “what if” scenarios that help you plan for life’s changing circumstances like healthcare, children and retirement. Our clients love this part of the service because it really helps to see the bigger picture.

We are small

With fewer than 100 clients, we deliberately keep our client bank small so we can offer a personal service. We do not try to be all things to everyone. Our expertise is retirement planning and our service is personal.

We offer peace of mind

We find that our clients want to be able to see the full picture; they want to be able to understand the impact their financial decisions are having on their lives. Our service enables clients to out-source their financial worries and stresses to us.

We are highly rated

Paul has achieved a 4.9 / 5 rating on VouchedFor. This is an independent service which allows consumers to rate and review their financial adviser or planner. He was also named in the Times as one of the highest-rated Financial Advisers in the country. In fact, we are proud of the fact that most of our business comes from referrals from existing clients to their friends and family.

Reviews and Ratings for Financial adviser Paul Mullin, Blackburn

We are highly qualified

We know that it’s not all about qualifications. The trust and relationship between you and your financial adviser is the most important thing. Having said that, Paul’s qualifications are the envy of most advisers. He is a Chartered Financial Planner, a Fellow of the Personal Finance Society and he also holds the STEP Certificate for Financial Services (Trusts and Estate Planning).

We are independent

This means we are not restricted in any way when we recommend products or providers to implement the financial plans we create. As a result, clients benefit from getting the best products and the best price with outstanding personal service.

We are transparent about our costs

This cannot be said about all advisers. The vast majority do not publish their charges on their website. We do. Click here to find out about what we charge.

Ten Financial Planning is authorised and regulated by the Financial Conduct Authority (FCA). You can review our entry on the FCA register by clicking here.

We also voluntarily engage with one of the leading providers of regulatory compliance support to ensure the standard of our advice remains at the highest possible level.

Request a callback

If you would like to discuss your own situation, we are here to help. Please call us on 01200 420855 or complete the form below and we will be in touch.

Testimonials

I needed help because I had inherited some money

Why did you need financial guidance?

I was unhappy with my previous adviser and needed help because I had inherited some money.

How did Paul help you?

Paul understood my needs and could explain everything in a way I could understand. He also allowed me time to think about his suggestions, so I did not feel pressurised. I am very satisﬁed with the outcome and I now have an income from my savings. I also feel more conﬁdent and reassured that my future ﬁnancial needs will be met.

Pat

Clitheroe

I needed financial guidance in investments and planning for my future

Why did you need financial guidance?

Following the death of my husband I needed ﬁnancial guidance in investments and planning for my future.

How did Paul help you?

I received advice from Paul regarding my long-term plans leading up to and beyond retirement. The recommendations suited my needs and have been flexible enough to accommodate my requirements as my lifestyle needs have changed. My needs have always been listened to and advice has been provided with a built-in flexibility to adapt over the years as my circumstances have changed.

Deirdre

Burnley

I am looking forward to having a prosperous retirement much earlier than expected

Why did you need financial guidance?

Pension planning.

How did Paul help you?

Paul has been clear with advice, explained the options and implications and worked with my accountant. As a result, I feel very confident about the future, knowing that I have done all I can to prepare. I am looking forward to having a prosperous retirement much earlier than expected.

David

Clitheroe

Pauls financial advice has already exceeded our expectations

Why did you need financial guidance?

Financial advice and planning for the forthcoming retirement of my wife and myself.

How did Paul help you?

Paul did a complete review of our current position and obtained from us a full understanding of our requirements and expectations. He then provided a financial plan which included excellent graphical illustrations, which made it very easy to follow. This gave us the confidence to follow Paul’s advice. The proposed plan is in the process of being fully implemented, as my wife has now retired, and I retire at the end of June. Although this is currently a quiet period for financial growth, we are confident that the financial plan Paul has put in place will be successful. We also have Paul’s ongoing support to make any future changes that may be required due to market fluctuations. What could they have done better? At present, I do not believe that Paul could have done any more for us than he has already done. Paul’s financial advice has already exceeded our original expectations for this sort of service.

Paul & Diane

Macclesfield

Why did you need financial guidance?

Now that I am self-employed, I needed to establish pension savings and having several occupational pension schemes from previous employers, I wanted to consolidate them into one overall pension provision.

How did Paul help you?

Firstly, to understand pensions in general and to explain investment and pension provision in a way that I could quickly understand. Paul has demystified this area for me and I feel much better and secure knowing about my potential retirement provision.

Joanne

Clitheroe

I would recommend Paul to all my friends and family

Why did you need financial guidance?

I approached Paul after being referred from a friend.

How did Paul help you?

He was just so concise and helpful and kept things simple. I would recommend Paul to all my friends and family.

Kevin

Blackburn

I already had a financial adviser but was unhappy with the service

Why did you need financial guidance?

I already had a financial adviser but was unhappy with the service I was receiving. Paul was recommended by my accountant.

How did Paul help you?

Paul spent a lot of time asking questions before he made any suggestions. I was impressed by how much detail he wanted about me and my circumstances before proceeding. He explained things clearly, far more clearly than anyone had done in the past. In the intervening years, Paul has embraced new technology to enable him to explain things even better. With my previous adviser, I always felt that I was being kept in the dark a bit (or that I was being a bit thick). But now, to my amazement, I really do understand what my investment options are and why Paul is making the recommendations.

Marc

Brighton