BA(QTS), DipFA
Independent Financial Adviser & Pension Transfer Specialist
Exeter
I’m a fully Independent financial adviser at Abacus Associates with over 17 years’ experience helping people plan confidently for their future. My focus is on making financial advice clear, personal, and practical—so you feel supported at every stage of life. I have particular expertise in pension transfers and retirement and investment planning, with in-depth knowledge of public sector schemes such as the Teachers’ Pension Scheme (TPS), NHS, Civil Service and Local Government pensions.
I take time to understand what matters most to you and explain your options in a straightforward way. Whether it’s maximising retirement income, navigating complex pensions, or planning for the next generation, my goal is to give you peace of mind and confidence in the choices you make. I’m passionate about making complex financial decisions simple and approachable. By focusing on what matters most to each client, I provide practical guidance and ongoing support through life’s milestones—planned or unexpected. My goal is to give clients peace of mind, confidence in their decisions, and a trusted relationship they can rely on for the long term.
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 Rob Lester, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.