About Rapid Savings

A different approach to pension advice, built on listening first.

Our Story

Started with a Simple Frustration

In 2012, our founder experienced firsthand how confusing pension advice could be. After receiving conflicting guidance from multiple advisers and spending hours deciphering jargon-filled documents, a realisation emerged: the pension industry had lost sight of the people it was meant to serve.

Rapid Savings was founded on the belief that retirement planning should be straightforward. Not oversimplified—these decisions matter too much for that—but clear enough that anyone can understand their options and feel confident in their choices.

What began as a small practice in London has grown into a team serving clients throughout the United Kingdom. Our approach remains the same: listen carefully, explain thoroughly, and put your interests first.

What We Stand For

These principles guide every interaction with our clients.

Clarity Over Complexity

Pensions are complicated enough. We strip away unnecessary jargon and focus on what actually matters for your decision-making. If we cannot explain something simply, we work harder until we can.

Your Goals, Not Ours

We do not push products or chase commissions. Our recommendations reflect what we genuinely believe is best for your circumstances, even when that means suggesting you do nothing at all.

Trust Through Transparency

We explain our fees upfront, disclose any potential conflicts, and document everything clearly. You should never wonder what we are doing or why.

Relationships, Not Transactions

Retirement planning is a journey, not a one-off event. We stay with our clients through changing circumstances, adjusting advice as life evolves.

Our Leadership Team

Experienced professionals committed to your financial wellbeing.

James Whitmore

Founder & Principal Adviser

Over 20 years in financial services. James founded Rapid Savings after witnessing too many families receive poor pension guidance. Chartered Financial Planner and Fellow of the Personal Finance Society.

Sarah Chen

Director of Client Services

Sarah ensures every client receives attentive, personalised service. Background in wealth management with particular expertise in workplace pension schemes and NHS pensions.

Michael Okonkwo

Senior Pension Analyst

Michael brings deep technical expertise to complex pension situations. Specialises in defined benefit transfers, pension sharing on divorce, and lifetime allowance planning.

Why Choose Us

Regulated and Qualified

We are authorised and regulated by the Financial Conduct Authority. All our advisers hold relevant professional qualifications and maintain ongoing competence through continuing education.

Independent Advice

We are not tied to any product providers. This independence means we can search the whole market to find solutions that genuinely fit your needs.

Fixed Fee Structure

Many advisers charge percentage-based fees that grow as your pension grows. We believe in transparent, fixed fees so you know exactly what you are paying for.

Nationwide Service

Based in London but serving clients throughout the United Kingdom. We offer both in-person and video consultations to suit your preference.

Professional Credentials

FCA Regulated

Authorised and regulated by the Financial Conduct Authority

Chartered Status

Chartered Financial Planners with the highest professional standards

Pension Transfer Specialists

Qualified to advise on defined benefit pension transfers

Professional Indemnity

Comprehensive insurance protection for your peace of mind

"The difference was immediate. After years of confusing statements and advisers who seemed more interested in selling products, finding a team that genuinely wanted to help me understand my options was refreshing. They took time to explain not just what I should do, but why. Three years on, I feel genuinely confident about my retirement for the first time."

Robert Ellis Client since 2023, Birmingham

Want to Learn More?

We are happy to discuss how we might help with your pension planning needs.