Darren Hutton

I'm a Financial Adviser at Collective Financial Planning (who is an appointed representative of The Openwork Partnership). The Openwork Partnership is one of the largest group of advisers in the UK which specialises in providing the highest standards of financial planning to clients. Working within Collective Financial Planning allows me to benefit from the support that comes from being part of a national organisation and enabling me to provide holistic advice across many areas in able to help clients achieve their goals and needs. Areas of advice covered: ✅Investments & Savings Simply put, investing is the process of putting aside money which we don’t need to spend now, so that we have more to spend in the future. What we all aim for is achieving a good return on that money. ✅Retirement Planning We now live in a time where we are living longer, and are retired for longer meaning we need to make our savings last longer. We also now have more freedom as to how we access our pensions, but with this additional freedom comes additional risks. All of this means planning for your retirement is becoming increasingly important and can be complicated. ✅Inheritance Tax Planning Inheritance tax is charged on any estate you leave after death above certain limits. This can see substantial amounts lost to your beneficiaries. Careful planning can help to reduce the amount of tax paid and see more of your money left to those you care about. ✅Protection There are events we can all face that have the potential to negatively effect lives and families. It’s a difficult issue to think about, but whilst there is no insurance that can prevent these things from happening, you can protect yourself and your family financially by making money available should something unexpected happen. *The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.* HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Approved by The Openwork Partnership on 01-05-2025 Collective Financial Planning Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension). Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.