About us

A Winning Team

We’ve been working with our clients for over 28 years now. And many of them have been with us since the beginning.

We put our success down to building close relationships with our clients, as well as the knowledge and experience of our team.

Here’s a little bit about them:

Hilary Carden

Hilary Carden

Managing Director

Hilary founded Cardens in 1993 and Cardens Pension Trustees Ltd in 1995. One of the first women to become a Registered Life Planner®, Hilary has 30+ years experience of financial and retirement planning and managing self administered pension schemes. She always has a book or podcast on the go, loves early mornings, walking, running and drinking coffee.

Michael Carden

Michael Carden

Investment Director

Michael joined Cardens in 1995 having previously qualified as a Fellow of the Royal Institution of Chartered Surveyors. Michael’s key role is to research, design and manage our investment portfolios. But his earlier background in commercial property is useful when dealing with clients holding direct property in their pension funds. Michael is a lifelong Formula 1 enthusiast and keen photographer.

Sharon Redman

Sharon Redman

Client & Operations Manager

Sharon has been with Cardens since 1997. She is responsible for ensuring the Cardens team delivers our client services to the highest possible standard, as well as maintaining the smooth running of the office. She loves living in the countryside and enjoys long walks with her dog, Rufus.

Charlotte Nicholson-Bain

Charlotte Nicholson-Bain


Charlotte joined the Cardens team in 2017 and provides administration support to Sharon and the team. She is a keen gardener, grows lots of vegetables which she enjoys turning into delicious home cooked meals.

Toby Cardens

Toby Carden

Office Dog

Toby is a Border Terrier and the smallest member of the team. He specialises in sleeping and alerting the office to the arrival of the postman.


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What our clients say...

Hilary’s advice to set up a pension fund through my business has stood the test of time and proved to be one of the best decisions of my life.​

Tony, Gloucestershire

I am so pleased to have Hilary and her team looking after my affairs. I don’t believe I could ask for anything more.

Richard, Kent

Hilary and her team are great at putting their clients at ease and take time to get to know them personally and individually.

Claire, Bristol

Refreshingly straightforward, insightful financial advice and support that helps you get unstuck and start thriving.

Effective yet simple ‘Sleep soundly’ solutions that don’t cost you a small fortune in fees and charges.

These are a highly tax efficient wrapper, not a product so we ensure you take full advantage of this.