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Retirement planning built around you
Our Pension Services
Whether you're starting your first pension or building your existing pot, we'll help you understand how much you need and how to get there.
If you've built up pensions from previous jobs, we'll review whether consolidating them makes sense and help you find them if you've lost track.
We'll help you plan when and how you can afford to retire, and the most tax-efficient way to draw an income from your pension.
We compare pension providers across the market to find options that suit your circumstances.
We're with you well beyond your first meeting, with regular reviews as your circumstances and retirement plans evolve.
We explain your pension options in plain English, so you can make decisions with confidence.
Frequently Asked Questions
Currently, you can normally access most pensions from age 55 (rising to 57 from 2028). How and when you take it can significantly affect how long your money lasts.
It depends entirely on the lifestyle you want. We'll help you work out a realistic target based on your own plans, not a generic rule of thumb.
Drawdown lets you keep your pension invested and withdraw an income as you need it, rather than buying an annuity. It offers flexibility but comes with investment risk.
Most modern pensions can be passed to your chosen beneficiaries, often free of inheritance tax. Make sure your expression of wishes is up to date with your provider.
Often yes, though it's not always the right move — some older pensions have valuable guarantees or benefits worth keeping. We'll check before recommending anything.
The State Pension is a government payment based on your National Insurance record. Most people need at least 10 qualifying years to get any State Pension, and 35 years for the full amount.
Auto-enrolment means most employees are automatically enrolled into a workplace pension. The minimum contributions may not be enough to fund the retirement you want — we can help you check.
Without an employer contributing on your behalf, it's especially important to plan your own pension savings. We'll help you find a suitable personal pension and a contribution level that works for you.
Yes, as long as you have relevant UK earnings, though there are annual and lifetime considerations once you start drawing an income. We can talk through what applies to you.
The government tops up your pension contributions as tax relief, effectively giving basic-rate taxpayers back the tax they paid on that money. Higher earners can often claim further relief.
You can manage it yourself, but pensions involve complex rules around tax, allowances and investment choices where the wrong decision can be costly. Advice is particularly valuable at key decision points, like approaching retirement.
You can check your forecast for free on the government's website. We can help you understand what it means and whether you need to fill any gaps in your National Insurance record.
Need more help?
Buying, remortgaging or moving home? Speak to a whole-of-market mortgage adviser.
Want to protect your family, home or income? We'll help you find the right cover.
Not sure where to start? Get in touch and we'll point you in the right direction.