Pensions
Straightforward advice on personal pensions, from starting out to bringing old pots together, claiming your full tax relief and turning your savings into a retirement income.
Retirement might seem a long way off, but it is never too early to think about your pension. Ideally we would all start planning from the day we start work, saving regularly through our working life so we do not have to worry about money later on.
Many people leave their planning until their middle years. The earlier you start building a fund, the less it costs you. We give straightforward advice on all the main types of pension, including personal pension plans, self-invested personal pensions and small self-administered schemes.
If you have had several jobs, you may have pension pots in different places. We can help you decide whether bringing them together into one scheme would improve your retirement prospects, and when the time comes, how best to turn your savings into a reliable income.
Who it’s for
- You have old pensions from previous jobs and want them reviewed.
- You are self-employed and have no pension, or are not paying in enough.
- You want to know whether you are on track for the retirement you want.
- You are approaching retirement and need a plan for drawing your pension.
Practical support with your pensions.
We explain your options
We talk you through personal pensions, self-invested personal pensions and small self-administered schemes, and which suit you.
We help you claim your tax relief
You automatically get 20% tax relief on personal contributions. Higher and additional-rate taxpayers can claim further relief, and we help you do that.
We review old pensions
If you have several pots, we help you decide whether moving them into one scheme would improve your prospects, while checking for any valuable guarantees first.
We plan how you take your benefits
From age 55, rising to 57 in April 2028, there are several ways to take your pension. We explain annuities and drawdown and recommend the right approach for you.
A pension is a long-term investment and the fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
Questions, answered plainly.
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Let's start with a conversation.
Your first meeting is free and without obligation. We'll listen, answer your questions, and tell you honestly whether and how we can help.