Get Clear, Independent Retirement Planning Advice from a Local Expert
We’re a family-owned group of Independent Financial Advisers helping people across Cheshire and Merseyside plan for the retirement they want – with clear advice and no sales pressure.
We provide advice tailored to your circumstances. Investments can go down as well as up, and you may get back less than you invest.
Not Sure if You’re on Track for Retirement? You're Not Alone.
Many of the people we help are asking:
We’ll model different scenarios so you can see what’s realistic for your lifestyle and goals.
We’ll forecast your potential income from pensions, annuities, savings, and other assets to give you a clear plan.
We’ll review your pensions and investments to check they match your timeframe and appetite for risk.
If pension drawdown is right for you, we’ll stress test your plans against market drops, inflation, and living longer than expected.
We’ve helped hundreds of people explore their retirement options – from understanding when they might be able to stop working to creating a personalised plan aimed at supporting their desired lifestyle.
As a family-owned business, you’ll get advice from someone who knows your history, your goals, and your family – not a faceless corporation.
Get in touch using the contact form below
Why People Choose BlackBear for Retirement Advice
We’re not a corporate advice chain looking to grow fast and sell out.
We’re a family-owned firm that’s been serving local people and businesses with a history tracing back to 1978 - and we intend to keep it that way.
At BlackBear, you’re not just another “client number.” You’ll speak to the same adviser who knows your goals, your history, and your family - meet our team here.
That’s how we’ve worked for decades - and how our team will keep working for decades to come.
Andy Anderson Dip PFS
Director & Independent Financial Adviser
Proudly Award Winning
We’re an independent, directly authorised firm helping clients across Cheshire, Wirral, and Merseyside make confident financial decisions.
In 2025, we were named by FT Adviser among the UK’s Top 50 Boutique Advice Firms - proof that you don’t need a big national brand to get first-class advice.
Talk to a local adviser who knows your name - not just your account number.
What do our clients say?
BlackBear Financial Group is authorised and regulated by the Financial Conduct Authority, and our family has been helping people locally for over 45 years.
We’re proud to be rated 5 stars on Google - but what matters most to us is the story behind each and every person who has placed their trust in us.
With over a century of combined experience in our team, and some clients working with the same adviser for over 30 years, our team has built lasting relationships that go beyond just financial advice.
Pete & Sarah's Story
“I have known Andy Anderson for more than two decades and in that time he has been my sole financial adviser. Andy’s future planning is second to none and I am in a far better financial position than I would have been without his considerable influence. I highly recommend him”
We’ve helped hundreds of people feel more confident about their retirement. Click here to see how we've helped others retire with confidence.
This testimonial is based on one client’s personal experience and may not be representative of other clients. Outcomes will vary according to individual circumstances.
Important Note
The value of investments and pensions can go down as well as up, and you may get back less than you invest. Past performance is not a reliable indicator of future results. This content is for general information only and does not constitute personal financial advice.
Retirement Advice in Cheshire, Wirral, Merseyside - and Beyond
Whether you’re ten years from retirement, already retired, or somewhere in between, we can help you understand your options and aim to avoid costly mistakes.
If you'd like to learn more, or you want to book a no-fee no-obligation initial meeting with one of our Independent Financial Advisers, get in touch by clicking the button below.
Our family has been proudly serving Cheshire, Wirral & Merseyside for over 45 years.