INDEPENDENT PENSIONS ADVICE

PENSIONS &
RETIREMENT PLANNING

NOTE: We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our privacy policy.

BRINGING ADVICE TO LIFE

WHY IS YOUR PENSION IMPORTANT?

FAMILIES | ENTREPRENEURS | WOMEN

THE IMPORTANCE OF PENSIONS & RETIREMENT PLANNING

Many of us want to retire as soon as we possibly can. But when you step back from your career or your business you want to have complete peace of mind that you can continue with the lifestyle that you have been used to when working. We all want more freedom, whether it’s to take up a hobby, travel or enjoy more of the things we love. And during our earning years, we can put away the ‘right amount’ of money into a pot so we can have the lifestyle we want when we retire.
That is where we can help - with independent Pensions and Retirement Planning advice that takes into account your unique circumstances.

“I had the pleasure of working with Rebecca as my financial advisor. Rebecca is extremely knowledgeable and experienced when it comes to all aspects of personal finance, including investments, retirement planning, and tax strategies. She took the time to truly understand my financial goals and tailored her advice and recommendations to my specific needs.”  Nicole Newbury, UK, 2023

ARE YOU READY TO LOOK AT YOUR RETIREMENT PLANS?

Book a free 20 minute discovery call where we can explore how we can help you and your unique situation. Our Client Manager Katie will be able to answer all your questions about our approach and establish if there is a good fit for working together.

HOW WE WORK

OUR APPROACH WITH PENSIONS ADVICE

PENSION PLANNING

Whether you're just starting your career or approaching retirement, we offer pension planning solutions that are tailored to your life stage.

PENSION CONSOLIDATION

If you have a number of pensions live (due to changing jobs for example) we can support with transferring those into one pension pot for you.

RETIREMENT READINESS

Finding the right time to start retirement and have the structure in place to live the lifestyle you want to live is so important - we can help reduce the stress.

CONFUSED ABOUT PENSION TRANSFERS?

Do you have pensions from previous jobs that you may have lost track of? Check out this video for more information on how pension transfers work…

Helping You To Understand

PENSION TYPES

Helping you to understand the different pension types and what they mean for you and your retirement planning…

PRIVATE PENSIONS

Private pensions are funded by you and are a proactive way to plan for your retirement. You have total control over who you choose as a fund manager and where your money is held.

This type of pension is available for all employment types, and is popular with those who are self-employed or run their own business. Even if you have never had a pension before, it’s never too late to think about your retirement and how you can fund the lifestyle you want.

EMPLOYER PENSIONS

If you are employed, employer pensions often include an option where your employer contributes towards your pension along with you. Some employers even match the contributions you make, which is an added bonus. However, you do not have any control over which company manages your funds.

It is worth bearing in mind that pensions are tax-efficient – so if your payments come straight from your gross salary, you won’t pay any tax on them. If they don’t, you can still claim the tax back.

IS IT TIME FOR YOU TO REVIEW YOUR PENSION?

We can help you to:

In a pension review, we’ll help you make sure your existing pension pots are the best option for you and your family. If this is not the case, you’ll develop the clarity and awareness of what to do next, whether that involves moving your pensions elsewhere or consolidating them. You’ll also develop more of an understanding of the options available to you when it comes to investing in your pension.

If you proceed with the recommendations we discuss, you will know exactly what your pensions look like, and no longer feel confused, but empowered, by your finances.

Having your pensions under one system can make it much easier to withdraw the money when the time comes. There is a lot less confusion when you don’t have to manage several pension pots, and, of course, there is the added benefit of saving money in fees.

We can guide you through the entire process, dealing with all the paperwork for you. We can provide clarity and reassurance, so you know what you’re dealing with at every step of the way.

CLEAR | CONSCISE | CONSISTENT

OUR COMMITMENT TO YOU:

  • You will always have a female adviser
  • You will always be spoken to professionally and honestly
  • All your information is protected by the relevant GDPR policies.
  • You will not be charged any fees until you have approved them
  • We promise to act fairly and professionally at all times
  • We provide independent advice, acting on our client’s behalf

“After seeing Rebecca’s work with a close friend, I was very impressed and subsequently sought her advice myself. I have an intermediate knowledge of finance and was pleased that Rebecca took that into account. She didn’t make things too simple, nor too complex. Not only could I tell she really knew her stuff, she was friendly and really approachable with any questions. Would not hesitate to use her again if I needed to” Cathey Meredith, Essex 2018

BOOK YOUR DISCOVERY CALL

Book a call and gain valuable insight that can support you to make the most informed decisions about your financial future.

Frequently Asked Questions
regarding pensions

If there is a question we don’t answer, please get in touch!

There are several types of pensions in the UK, including State Pension, Workplace Pension (such as the auto-enrollment scheme), Personal Pension, Self-Invested Personal Pension (SIPP), and Defined Benefit Pension (also known as Final Salary Pension). They differ in terms of who manages them, contribution sources, investment options, and how retirement income is calculated.

The State Pension age in the UK varies based on your birthdate and gender. As of now, it’s gradually increasing and is around 66 for both men and women. The exact amount you receive depends on your National Insurance contribution history. You can get an estimate using the State Pension forecast tool provided by the government.

Pension planning is crucial to ensure a comfortable retirement. The earlier you start, the more time your investments have to grow. Ideally, begin as soon as you can, as compounding can significantly boost your pension pot over time.

Yes, you can contribute to both types of pensions concurrently. Many people choose to supplement their workplace pension with a personal pension to enhance their retirement savings.

Auto-enrollment is a government initiative requiring employers to enroll eligible employees into a workplace pension scheme. If you meet certain criteria, you’ll be automatically enrolled, but you have the option to opt out if you choose.

Pension contributions receive tax relief in the UK. Basic-rate taxpayers get 20% tax relief, while higher and additional rate taxpayers can claim 40% or 45% respectively. For example, if you contribute £800, the government adds £200 for basic-rate taxpayers. It is advisable to get qualified advice to support you with taxes.

Yes, you can consolidate pensions to simplify management and potentially reduce fees. By consolidating, you can have a clearer overview of your retirement savings and make more informed investment decisions.

You can manage your pension investments by staying informed about your pension’s performance and reviewing your portfolio periodically. Some pension providers offer online platforms for tracking investments and making changes. The level of control varies based on the type of pension you have.

You can access your pension savings from the age of 55. You can choose to take a tax-free lump sum (usually up to 25%) and then decide between drawing a regular income through an annuity or using drawdown to manage your investments and income more flexibly.

To ensure a comfortable retirement, calculate your estimated expenses and consider consulting a financial advisor like us. It is important to regularly review your pension contributions and investment strategy to align with your retirement goals and changing circumstances.

Please note, investment returns can vary, the capital and income generated cannot be guaranteed.

This notice cannot disclose all the risks associated with the products we make available to you. You should not invest in or deal in any financial product unless you understand its nature and the extent of your exposure to risk. You should also be satisfied that it is suitable for you in the light of your circumstances and financial position. Different investment products have varied levels of exposure to risks and to different combinations of risks.

Our disclaimers are not intended to be fully inclusive of all relevant risks; we would strongly encourage to you ensure that you have read all relevant literature, and that you are comfortable that you understand all of the associated risks relating to an investment, before you decide whether or not to purchase it. Should you be in any doubt as to the risks involved, or to the suitability of a particular investment, you should seek professional financial advice.

Please note that investment values can go down as well as up and past performance is no indication of future performance.