Eleanor Pennycroft
Founder & Chartered Financial Planner
Leads comprehensive planning and pre-retirement workshops. Particular interest in clients balancing school fees, ageing parents, and uneven pension histories from career changes.
The practice
Advice that respects how households actually live
Pennycroft Financial Guidance grew from years of sitting with clients who were drowning in annual statements and underserved by product-led conversations. We stay deliberately small so each consultation still gets a named adviser and a follow-up that is not a call-centre script.
Origin
The practice began after Eleanor Pennycroft spent a decade advising salaried professionals who kept postponing pension decisions until a promotion, redundancy, or caring role forced the issue. She founded Pennycroft to offer consulting that starts with cashflow and dependants — then reaches for products only where they close a real gap.
How we work in Great Britain
We advise under UK regulatory permissions appropriate to personal financial advice. Meetings are held by video across the country, with in-person appointments at our Dicki-le-Maggio address when a table of paper statements is easier than a screen share. Governing law for our client agreements is that of England and Wales.
People
Who you may meet
James Harwood
Associate adviser — pensions & protection
Runs pension review sessions and protection assessments. Known for patient chasing of old scheme administrators when guarantees need confirming before any transfer talk.
Values we hold in client work
- Clarity over theatre Recommendations name what we are not advising as clearly as what we are.
- Documents before drama We wait for statements and guarantee letters rather than filling gaps with optimism.
- Household first Advice must survive a month of real grocery bills, childcare, and commuting costs.
Relationship with clients
Some households return each tax year for a lighter review; others commission a single consultation and implement themselves. Both are welcome. We do not invent urgency or imply that declining a product leaves you unprotected by design — only by the gaps the numbers show.
Speak with the practice