Money Minder UK


If you are considering drawing on your pension, this report is invaluable....



Reasons to use Money Minder

  • Transparent, professional and quality Independent Financial Advice
  • Qualified and competent staff.
  • Adviser's to Chartered status.
  • Fees disclosed upfront.
  • We provide services for all customers regardless of wealth.
  • Free innovative, informative and educational online tools.
  • We are one of the UK's most competitive protection quote, compare & apply providers.
  • Continuous staff & service development.

Our promise to you

Money Minder. The name says it all. We aim to help you to look after your money by providing you with the knowledge and choices to maintain and enhance your wealth. Some of our clients already have a reasonable knowledge of their financial situation, others are looking for explanations of technical issues that surround the financial services industry. We pride ourselves in taking out the jargon and explaining step by step your options and choices.


As Featured In

Money Saving Experts top pick since 2010

Testimonials What people say about us

"We have no hesitation in recommending Money Minder as a reliable and competent firm. We have used them for many years and been totally satisfied. They have certainly improved our financial position and, by their appropriate advice, boosted our income. We can now look forward to retirement with confidence. We are so pleased that we had the good fortune to come across Ray Black and his team."

Mr and Mrs Carlsson

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The Carlssons

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Latest News Stealth tax catching high-earning pensioners

Navigating this requires careful planning to ensure you maximise your earnings

Recent figures from HM Revenue & Customs (HMRC) reveal a startling trend: an increasing number of pensioners are caught in a punitive 60% tax trap[1]. In the 2024/25 tax year, 77,000 individuals aged 66 and over had earnings between £100,000 and £125,140, subject to this alarmingly high effective tax rate. This figure has more than doubled in just three years, demonstrating the significant impact of frozen tax thresholds on older, higher-earning workers.

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Online Guidance

We offer the tools for you to take control of your own finances. Learn about and get quotes for protection products such as Life Insurance, Critical Illness, Mortgage Protection and Income Protection, or look into your retirment options with our Pensions Freedom tools.

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Personal Advice

Money Minder provides a wealth of financial advice, covering a wide range of requirements. Everyone has different goals and needs and this is why we are focused on providing a bespoke, personal and unbiased service. Speak to an adviser today and see how we can help you.

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IIP - Investors In People

Our Principles, Your Prosperity

At Money Minder we believe in making your financial options clear and simple. We do this by complimenting our quality regulated advice with financial education to give you the reassurance that you are making the best financial decisions.

SOLLA - Society of Later Life Advisers