About us

A Winning Team

We’ve been working with our clients for over 25 years now. And many of them have been with us since the start.

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 managing pension schemes and is an expert in retirement and financial planning. She is an avid reader, enjoys early mornings and is a keen runner.
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 is an expert in commercial matters and specialises in researching, selecting and managing investment portfolios. He is a Formula 1 enthusiast and keen photographer
Vivienne Cottrell

Vivienne Cottrell

Client Services Manager

Viv joined Cardens in 1999 and is responsible for client administration, and internal team and compliance support. She also ensures the smooth running of the office. She loves reading, listening to music, eating out and travelling.
Sharon Redman

Sharon Redman

Client Services Manager

Sharon joined Cardens in 1997. She is responsible for the administration of our SSAS and SIPP clients and provides internal support to the team. She is a keen horsewoman and keeps fit by cycling to work.
Finian Cullen

Finian Cullen

Junior Paraplanner

Fin joined Cardens in 2017 and assists the team with research and administration. Fin is a talented artist and enjoys cycling, fishing and running.
Charlotte Nicholson-Bain

Charlotte Nicholson-Bain

Client Services Manager

Charlotte started with Cardens in 2017 and provides internal admin support to the team. She is a real ‘foodie’ and enjoys eating out and cooking
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.


You Want...

  • Someone who understands that money is not just for saving, it’s for spending on nice things, family and experiences
  • Someone alongside you who’s there for the long term
  • Someone who is genuinely interested in you, your life and your family
  • Someone who’ll help you make the right choices
  • Someone who promises you no hard sell EVER

What our clients say...

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’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

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.