Smart financial strategy, seamlessly delivered.
Clarity. Strategy. Peace of Mind.
We help successful professionals in their 40s and 50s consolidate pensions, grow wealth, and plan retirement with confidence — without jargon, pressure, or complexity.
You're probably doing well - career, property, savings - but your finances might feel scattered or unclear.
At Abacus Advice, we bring clarity and structure to your financial life so you can plan for the future with confidence. Whether you’re looking to consolidate pensions, reduce risk, or prepare for retirement, we’ll help you take control.
No noise. No upsell. Just honest advice, designed around you.
Accumulating wealth
You work hard for your money and it is natural for you to want it to work hard for you so that you can enjoy the life you dream of for you and your family.

Taking income from your accumulated wealth
There have never been more options when it come to taking income from your pensions and investments. Making the wrong choice can be costly so ask us for advice.
What
we do
We provide holistic financial advice for individuals, businesses and trusts on investments, savings, retirement planning and non-investment insurance (for example life assurance, private medical insurance, critical illness cover).

financial planning
Using our highly successful technique involving five clear stages we give you a sound basis to work from and set you on the path to financial freedom.

Investment and Retirement Planning
Many of us set aside money for a rainy day or set up pension for our retirement but how many of us are confident we have done enough?

Protection Planning
We can help you highlight risks and recommend suitable cover to give you and your family peace of mind.

Estate and Inheritance Tax Planning
We can help you plan so that your assets are passed on as efficiently and as smoothly as possible.
helping clients build and protect generational wealth
0
+ years
Here's what our clients say
Susan is a highly successful and busy legal professional who knows the meaning of service. As a partner and head of Corporate at Furley Page Susan takes pride in ensuring that she and her team work collaboratively with clients to achieve their objectives. Straight-talking, nice to deal with and being clear on costs sets Susan and her team apart.
"Mike was a pleasure to work with. He is very solution driven when working for his clients and tries to find them a product that suits their needs. I would have no hesitation in recommending his services."
Susan JenningsPartner & Head of Corporate at Furley Page
Abacus Advice has been fortunate to have Ray Beard as legal counsel for many years, so it’s especially gratifying that when Ray retired he chose Abacus Advice.
"Mike Hardy and I got to know each other through my work as a solicitor and over the years, I’ve come to respect his dedication and professionalism. To say that his advice has been life-changing is no exaggeration. As a result of his in-depth knowledge of the complexities of current pension arrangements, I’ve been able to switch from full-time to part-time practice ahead of the state retirement age. I now have the time to pursue my many other ambitions. I can genuinely recommend Mike’s clear, considered guidance, without reservation."
Ray BeardRetired Solicitor
Wendy has a demanding roll at Speedy Plc, the market leader in Tools, Plant and Services solutions. It's a demanding role within a competitive environment. When she's not working, Wendy runs marathons, and enjoys foreign travel with her family. Somehow, she's found time to study for an MBA in Marketing. Her time is precious so Wendy decided to delegate the stewardship of her finances, and approached Abacus.
"Abacus Advice was recommended to me by a friend and I have never looked back. They have provided me with excellent advice and services on many occasions over a long period of time, and I have no hesitation in recommending them."
Wendy Bates MSc and Chartered MCIPDSpeedy PLC
John has been professional photographer since he left school. He has worked in the newspaper, television, motorsport, aviation and PR industries. He has been lucky to combine most of his hobbies with his work and can found messing around with motorbikes,vintage aircraft and steam trains most weekends.
"Mike and his team have given me invaluable help in maximising my pension. Mike is always available to give me advice when I need it. I cannot recommend Abacus highly enough."
John Goodman
"I was recommended Abacus when I was looking for someone whom could help me plan for early retirement making best use of my pensions as well as other monies received in a way that would be tax efficient. Mike has always been very friendly and professional, he listens and finds good solutions. If anything I should have contacted Mike many years ago. I am in a fortunate position where because of redundancy and with Mikes help I have been able to take early retirement and am now living the life I thought I would never be able to. My thanks to Mike for his assistance in achieving this."
Peter ShawBNY Mellon
"Mike Hardy at Abacus Advice has been nothing short of outstanding in the support he has provided both myself and my father. From start to finish, Mike has shown a rare combination of deep financial expertise, patience, and a genuine desire to do what’s best for his clients.
For my father, Mike provided invaluable guidance during a crucial period of financial planning. He took the time to really understand my dad’s goals, financial position, and concerns about the future, and then delivered a clear, well-structured plan that Mike made, what could have been a stressful process feel straightforward and reassuring.
At the same time, Mike has also supported me with forward-looking advice around pensions, insurances and long-term financial planning. His ability to explain complex financial matters in a clear and accessible way has helped me feel more confident and in control of my financial future. It’s rare to find someone who can relate equally well across generations, and Mike does this brilliantly.
The level of care, professionalism, and attention to detail that Mike brings to his work truly sets him apart. He’s responsive, honest, and always willing to go the extra mile. We both feel extremely fortunate to have found Abacus Advice, and we wouldn’t hesitate to recommend Mike to anyone looking for trustworthy, high-quality financial advice."
Joanne Harman
I have been using Abacus Advice for literally years. I cannot speak highly enough of Mike Hardy. I find Pensions and finances a bit of a struggle to understand but Mike is reassuring and explains everything in a calm, easy to understand way.
Mike always is quick to respond both over the phone or email. I would recommend Abacus Advice with 5 Stars.
Thank you for looking after my pension now and in the future.
Trudi
Abacus Advice have been a great help and support over many years. Very clear and sound advice and I have always found the information they have to be clear and accessible.
Highly recommend Mike and his company for all your financial advice.
Fantastic service.
Gave me the perfect advice tailored to my needs.
Hence Mike and his company receive a 5 Star review from me and my husband.
Thanks Mike, you are fabulous.
Fantastic service.
Gave me the perfect advice tailored to my needs.
Hence Mike and his company receive a 5 Star review from me and my husband.
Thanks Mike, you are fabulous.
Over the years Mike has always given sound advice and explained finance’s in ways that are easy to follow and understand,thanks Mike.
Mike Hardy has been my financial adviser for years, he is incredibly helpful and contactable nothing is too much trouble. He has just been helping me draw down some pension .Thank you Mike keep up the brilliant job. Julie
I have been using Abacus Advice for literally years.
I cannot speak highly enough of Mike Hardy.
I find Pensions and finances a bit of a struggle to understand but Mike is reassuring and explains in a calm, easy to understand way.
Mike always is quick to respond both over the phone and email.
I would recommend Abacus Advice with 5 Stars.
Thank you for looking after my pension now and in the future.
I cannot speak highly enough of Mike Hardy.
I find Pensions and finances a bit of a struggle to understand but Mike is reassuring and explains in a calm, easy to understand way.
Mike always is quick to respond both over the phone and email.
I would recommend Abacus Advice with 5 Stars.
Thank you for looking after my pension now and in the future.
Response from the owner 11:56 22 Jul 25
Thank you so much for your kind words and for placing your trust in Abacus Advice over the years. It means a great deal to know that you’ve felt supported and reassured when navigating pensions and finances — we work hard to keep things clear and calm, so I’m really glad that’s come through.It’s always a pleasure to help, and I genuinely appreciate your recommendation and 5-star review. Rest assured, we’ll continue to look after your pension with the same care and attention into the future.– Mike Hardy Brilliant service. Thanks Mike
Response from the owner 11:58 22 Jul 25
Thank you Simon! I really appreciate the kind words — it’s always a pleasure to help.– Mike Hardy Mike from Abacus Advice has been an exceptional support to both myself and my father, providing clear, thoughtful, and reliable financial advice. His expertise in financial planning has given us confidence and peace of mind, whether it was for retirement planning, investment guidance, or navigating complex financial decisions. Mike takes the time to truly understand individual needs and offers tailored solutions with genuine care and professionalism. I highly recommend his services to anyone seeking trustworthy and knowledgeable financial advice.
Response from the owner 11:58 22 Jul 25
Thank you so much Jo for your thoughtful review. It’s been a privilege to support both you and your father over the years. I’m especially pleased to hear that our work has brought clarity and confidence to some of those more complex financial decisions — that’s exactly what Abacus Advice aims to deliver.I genuinely appreciate your kind words and your recommendation. Please don’t hesitate to reach out anytime you need support — I’m always here to help.– Mike Hardy Mike has looked after us for a number of years and his professionalism is second to none.
Response from the owner 15:19 02 Sep 23
Thanks Chris. Appreciated. Mike I can highly recommend Mike and his team to anyone requiring help or advice on financial matters and in particular pensions. Always really helpful and quick to respond to enquiries – thank you Mike.
Response from the owner 15:20 02 Sep 23
Thanks Phil. Hope all is well. Abacus Advice has been dealing with my pension for several years,Mike nor his team has a no pressure selling.
They have been brilliant accommodating to arranging meetings ,Yazmine has been a star dealing with every issue and gets results.
In all Fantastic to deal with they are a pleasure.
They have been brilliant accommodating to arranging meetings ,Yazmine has been a star dealing with every issue and gets results.
In all Fantastic to deal with they are a pleasure.
Response from the owner 15:21 02 Sep 23
Thanks Nikki. Appreciated. Abacus have been our financial advisers for a number of years. Mike and his team are always helpful, giving good advice with no pressure selling. They also are willing to arrange appointment times to suit us.
Response from the owner 15:20 02 Sep 23
Thank you for your kind words Christine. Brilliant team, very helpful!
Response from the owner 15:21 02 Sep 23
Many thanks Rowan. Mike and his team at Abacus have done a great job of managing my pension and have created ample growth. They offer a modern and connected service yet with old style personalised customer service and great communications. I wouldn’t use anyone else.
Response from the owner 15:22 02 Sep 23
Thank you John. Nice of you to leave your review.