DipPFS
Independent Financial Adviser & Pension Transfer Specialist
St Austell, Cornwall
I’m a fully independent financial consultant and pension specialist with Abacus Associates. I have over 30 years of experience, specialising in both public and private sector pensions, as well as wider financial matters such as investments and inheritance tax planning.
I understand that making financial decisions can be overwhelming – but with the right guidance they don’t have to be – no matter how complex the situation seems. My mission is to help both personal and corporate clients make well-informed financial decisions with clarity and confidence.
Whether you’re planning for retirement, managing investments, navigating complex pension arrangements, or looking ahead with effective inheritance tax strategies, Wills and Power of Attorney’s, I’m here to guide you every step of the way. I pride myself on ensuring my clients interests are at the forefront of my advice, making complicated financial matters easy to understand—cutting through the jargon and offering advice that’s clear, practical, and tailored to your needs and ensuring you always know where you stand.
Being based in St Austell, Cornwall, I am well placed for clients in both Devon and Cornwall, but work with clients all across the UK. Wherever you’re based, I’m committed to helping you achieve financial peace of mind—with honesty, integrity, and a personal touch.
I specialise in the following advice services:
Lifetime Financial Planning
Through the use of sophisticated cash flow modelling techniques and by applying various inflation, interest rate and growth assumption we can plan how to get you where you want to be. The use of cashflow modelling is becoming the cornerstone of effective lifetime planning.
Later Life & Estate Planning
We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.
Pension & Retirement Planning
When you think about the future, what does your retirement look like to you? An important question which we can help you answer.
Investment & Wealth Management
Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.
Wills & Power of Attorney
Making a Will is essential to ensuring that your wealth benefits those whom you choose and is not taken by taxation, unnecessary legal costs and beneficiaries chosen by the law.
Personal Protection
Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.
Workplace Pensions
As an employer, you must auto-enrol certain staff into a workplace pension scheme and contribute towards it in order to meet legislative obligations.
Business Protection Planning
The importance of business protection is often overlooked but is key to helping business owners plan for the unexpected.
Defined Benefit Transfer Specialist
If you have a Defined Benefit or Final Salary pension scheme, there may be individual circumstances where a pension transfer could be advantageous.
Contact Sonja Selby, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.