Seeking investment


The aim of Guiide is to help individuals improve their retirement outcome and keep more of their money.
Pensions are complex, but they should be simple. Their only purpose is to provide people with the income they want when they retire.
When the pension freedoms were introduced, individuals suddenly had a lot more choice when they reached retirement as to how to take all the pension pots they had built up. Many are now taking, or planning to take, advantage of these freedoms, which is great.

The problem

However, as recently recognised by the FCA, accessing these freedoms without taking advice, as many people do, brings with it the risk of not getting the income people want in retirement, paying lots of tax or charges, or worst of all running out of money.

The solution

We believe that many people would benefit from having the right tools to plan and manage their retirement income themselves, rather than just wing it with no plan. We also believe these tools should be free to individuals.
Guiide allows people to take control of their retirement plans themselves, as well as pay less in tax and charges and keep more of their money. It makes understanding what they can get in retirement, given what they already have and what more they can build up, as simple as possible.

As well as showing how pots are expected to build up, Guiide calculates a yearly or monthly plan of how an individual can take money from their pensions and savings pots when they retire to get the income wanted after tax. They can then put this plan in place themselves or via Guiide if they choose.

The plans also include all other income such as the state pension, final salary pensions and anything else that can go towards it. Within the plan, it shows individuals how taxes and charges can also be reduced.
Finally it also tests to see what happens if things don’t go as expected and tracks the plans once in place to see if everything is still expected to work out.


  • Funding Stage Self-funded
  • Trading for 1-5 years
  • Employees 1-5
  • Sector Personal Finance
  • Valuation N/A

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