About solidarbor-tech

A team dedicated to making retirement planning accessible and personal

Our Story

Founded on a Simple Belief

solidarbor-tech began in 2009 when our founder, after two decades in institutional pension management, recognised a gap in the market. Large pension providers were excellent at managing funds but often struggled to connect with individual clients on a personal level.

The vision was straightforward: create a firm that combined technical expertise with genuine personal service. Where clients weren't account numbers but individuals with unique circumstances and aspirations.

What started as a small practice in London has grown into a team of eighteen advisers serving clients across the United Kingdom. Despite our growth, we've maintained the personal approach that defined us from the beginning. Every client still has direct access to their adviser, and every recommendation is tailored to individual circumstances.

What Guides Us

The principles that shape every client interaction

Long-Term Thinking

Retirement planning spans decades. We don't chase short-term gains or make recommendations that look good today but create problems tomorrow. Every strategy is designed with your entire retirement horizon in mind.

Transparent Communication

Pensions involve complex regulations and financial concepts. We explain everything in plain English, ensuring you understand not just what we recommend but why. No jargon, no obscuring of important details.

Client-Centred Independence

We're not tied to any product provider. Our recommendations are based solely on what's right for you. This independence means we can access the entire market and select options that genuinely serve your interests.

Relationship Continuity

You won't be passed between different advisers or left dealing with call centres. Your adviser knows your situation, remembers your conversations, and is available when you need guidance.

Our Leadership

Experienced professionals guiding our firm's direction

Richard Caldwell

Managing Director & Founder

Richard founded solidarbor-tech after twenty years managing pension funds for institutional clients. He holds the Chartered Financial Planner designation and sits on several industry advisory boards.

Catherine Morris

Director of Client Services

Catherine oversees our client experience and adviser training programmes. Her background in behavioural finance helps our team understand the psychological aspects of retirement planning.

James Patterson

Head of Technical Services

James leads our research and technical analysis team. He specialises in complex pension arrangements and has particular expertise in defined benefit transfers and lifetime allowance planning.

Our Journey

2009

Foundation

solidarbor-tech established in London with a focus on personalised retirement planning services.

2012

Team Expansion

Grew to a team of six advisers as client base expanded beyond London into the broader South East.

2015

Pension Freedoms Launch

Expanded services to help clients navigate new pension freedom regulations, becoming specialists in drawdown strategies.

2018

National Coverage

Opened regional offices in Manchester and Edinburgh to serve clients across the United Kingdom.

2021

Digital Enhancement

Launched client portal for secure document sharing and real-time pension tracking.

2024

Today

Eighteen advisers serving over 4,200 clients with combined pension assets exceeding £847 million under advice.

Qualifications and Regulation

FCA Authorised

solidarbor-tech is authorised and regulated by the Financial Conduct Authority (FCA). Our firm reference number is 584726.

Chartered Financial Planners

All senior advisers hold the Chartered Financial Planner designation, the gold standard qualification in UK financial planning.

Professional Indemnity

We maintain comprehensive professional indemnity insurance significantly exceeding regulatory requirements.

Our Commitment to You

When you work with solidarbor-tech, you're not just getting pension advice. You're gaining a partner invested in your long-term financial wellbeing.

We measure our success not by assets under advice or revenue targets, but by whether our clients feel confident and prepared for retirement. That confidence comes from understanding your situation thoroughly, explaining your options clearly, and being available when questions arise.

Whether you're consolidating old workplace pensions, deciding when to retire, or optimising income from existing pension pots, we're here to help you make informed decisions.

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