Expert guidance on pension transfers, consolidation, and optimization to secure your retirement income. We'll help you navigate the complex world of pensions and make informed decisions about your future.
These are the questions we help our clients answer every day when it comes to pension advice.
Would bringing multiple pension pots together simplify my planning and reduce fees?
Am I getting the growth I should be, or am I paying too much in hidden charges?
Is it worth giving up guaranteed income for flexibility? This requires careful analysis.
Are you maximizing tax relief and employer contributions to build your retirement pot?
Drawdown, annuity, lump sum, or a combination? Each option has pros and cons.
Understanding death benefits can help with inheritance planning for your family.
Pensions are one of the most tax-efficient ways to save for retirement, yet many people don't fully understand how they work or whether they're making the most of them.
If you've changed jobs multiple times, you might have several small pension pots scattered across different providers. Each one could be charging different fees, performing differently, and making it difficult to see the big picture. Consolidation might help – but it's not always the right answer.
We provide comprehensive pension advice covering workplace pensions, personal pensions, SIPPs, and final salary schemes. Whether you're building your pension pot, approaching retirement, or already taking an income, we can help you make informed decisions.
For every £100 you put into a pension as a basic rate taxpayer, it only costs you £80 (or £60 for higher rate taxpayers). That's an instant 25-67% return before any investment growth.
Simplify your pension arrangements by bringing multiple pots together.
Expert analysis of defined benefit pension transfers (legally required for transfers over £30,000).
Guidance on Self-Invested Personal Pensions and flexible pension solutions.
Maximize tax relief and employer contributions to build your retirement pot.
Strategic planning for flexible pension income in retirement.
Ensure your pension passes efficiently to your beneficiaries.
We'll gather details of all your pensions, review their performance and charges, and understand your retirement goals and timescales.
We'll analyze your pensions, identify opportunities for improvement, and provide clear recommendations with full explanations of the benefits and risks.
We'll handle all the paperwork and transfers, then provide ongoing reviews to ensure your pension remains on track for your retirement goals.
Starting pension contributions in your 20s versus your 40s can make a difference of hundreds of thousands of pounds by retirement age, thanks to compound growth. Many people put it off, thinking they'll "catch up later" – but you can never buy back lost time.
The fix: Start contributing as early as possible, even if it's just a small amount. Your future self will thank you.
The average person has 11 different jobs in their lifetime. If you've left pensions behind at previous employers, you might have lost track of them completely – or they could be sitting in high-fee default funds with poor performance.
The fix: Track down all your old pensions and consider consolidating them into one well-managed fund. The government's Pension Tracing Service can help.
If your employer will match your pension contributions up to, say, 5% of salary, but you're only contributing 3%, you're leaving free money on the table. This is literally turning down a pay rise.
The fix: Always contribute at least enough to get the maximum employer match. It's an instant, guaranteed return on your money.
Just because you can access your pension at 55 (rising to 57 in 2028) doesn't mean you should. Taking large withdrawals early can trigger unnecessary tax charges and leave you with insufficient funds for later life. Many people underestimate how long they'll live.
The fix: Create a sustainable withdrawal strategy that considers your life expectancy, other income sources, and tax efficiency. Professional advice is crucial here.
Final salary (defined benefit) pensions provide guaranteed income for life – something increasingly rare and valuable. While transfers can make sense in some circumstances, they're usually not in your best interests. The law requires professional advice for transfers over £30,000 for good reason.
The fix: Always get regulated financial advice before considering a final salary transfer. The security of guaranteed income is worth more than most people realize.
Don't leave your retirement to chance. Let us review your pensions and help you create a plan for a comfortable retirement.
Initial consultation is completely free with no obligation.
