0%
of people aged 40–75 in the UK have “no idea” how much income they need for retirement.
Independent financial guidance
Puzzled by your retirement options?
Think Break helps you understand pensions, investments and next steps without product sales, commission or pressure.
The problem
Good guidance is hard to find if you aren't looking to purchase a financial product.
Many people are stuck in the advice gap.
Traditional financial advisers get paid when someone buys an investment or insurance product. If you aren't at that stage yet, or simply want help with one aspect of your planning without buying a product, your options are very limited.
Retirement decisions feel bigger than the information available.
Pensions, investments, AVCs and lump sums can become a blur of jargon.
Free advice is rarely free.
If the business model depends on selling products, the conversation can quickly stop being objective.
The reality
The retirement confidence gap is real.
Most people approaching retirement are making big decisions without a clear picture. You are not alone — and it is fixable.
0%
of those surveyed feel their finances are “out of their control.”
Source: DWP / GOV.UK
Enquire about a session with an adviser with 0 years of financial services experience.
Book a sessionSolutions
Straight forward jargon-free guidance that will leave you feeling much better about your financial future and the options you have.
Plan around real life
Put lifestyle, retirement choices and confidence before financial jargon.
Understand where you are now and where you want to be
Know what your statements mean and what options matter for your future.
Make better decisions
Leave with plain-English explanations and practical next steps.
Avoid product pressure
No commission, no targets, no recommendations dressed up as education.
Who we are
Financial guidance from someone who is not trying to sell you a product.
Think Break was founded by Feargal Walsh, a Level 6 qualified financial planner with over 0 years' experience in financial services.
Public-sector pension experienceWorkplace seminars and one-to-one sessionsPlain English, practical outcomes
Why we are different
Advice-industry pressure removed.
Traditional adviser route
- Minimum investment levels
- Product recommendations
- Ongoing percentage charges
- Sales process can shape the conversation
Think Break route
- Pay for time and expertise
- No commission or product sales
- No minimum investment
- Clarity first, decisions second
The value
Walk away knowing what to do next.
A session is not about making finance sound clever. It is about leaving you calmer, clearer and better prepared.
Clarity
Understand the moving parts without needing a finance dictionary.
Confidence
Ask the questions you have been putting off and get straight answers.
Checklist
Leave with practical actions, things to check, and what to ignore.
Perspective
Know when paid financial advice is good value and when it may be unnecessary.
Workplace or one-to-one
For people who want money to make more sense.
Seminars, pension explainers and individual sessions can help teams and households turn vague worry into practical understanding.
Ask about a session
Services and cost
Simple pricing. No mystery fees.
1 Hour Financial MOT
A focused financial health check to spot gaps, questions and practical next steps.
£200Book nowPension Statement Guidance
A walkthrough of your pension statements so you understand what they mean.
£200Book nowWorkplace Seminar
Engaging financial wellbeing sessions for teams, employers and organisations.
£495EnquireCash Flow Modelling
Scenario planning for retirement timing, income, shortfalls and big decisions.
QuoteGet a quoteAI Guidance Sanity Check
Have a qualified adviser review any AI generated plans before you commit to anything.
£200Book nowTestimonials
Real People. Real peace of mind.
"It made things a lot less stressful. I understood my Teachers pension and had the confidence to set up an ISA myself."
Claire SleightSelf-Employed Ex-Teacher
"He does not recommend products, which suited me. I wanted to understand it myself and make my own decisions."
Philip SheerinRetired
"We left feeling positive, with a clear checklist of things to find out and discuss together."
Barry McCaffertyCyber Security Analyst
News & insights
From the Think Break blog.
Clear, jargon-free takes on pensions, retirement and the headlines that affect your money.
PensionsCaught in the Backlog: What to Do If Your Teachers' Pension is Delayed
Systemic McCloud remedy delays are leaving thousands of retired teachers in limbo. Here's why it's happening and how to claim what you're owed.
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PensionsThe £31 Billion Epidemic: Track Down Your Lost Pensions
£31.1 billion sits forgotten in old pots, slowly eroding in value. Here's how to reclaim yours before fees and inflation eat it away.
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Estate PlanningThe 2027 Pension Tax Trap: Is Your Estate Prepared?
From April 2027, pension pots enter the IHT net. Here's what the new rules mean for your estate — and how to act now.
Read more →Get in touch
Ready to make your options feel less foggy?
Send a short message with what you want help understanding. No pressure, no sales funnel, just a useful first conversation.