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Pensions Advice

If you are;

  • Starting a pension for the first time
  • Already saving into a pension
  • Approaching retirement
  • At retirement

We can help you achieve your desired pension income.

Our team of pension advisers have many years of experience in the industry and they are fully qualified to Diploma level. There are many different options available which our advisers will be pleased to explain and discuss with you in detail.

Saving for Retirement

The earlier you start saving into a pension the better your chances of achieving the income you require on retirement.

Pensions for the Employed

New auto-enrolment regulations give you the opportunity to take out an employee pension and to benefit from employer contributions to this. However, you also need to think about whether this pension on its own will provide enough income for your retirement.

You may need to invest in a private pension as well in order to meet your retirement income goals. Our expert pensions advisers can help you decide if this is necessary and, if so, on how best to achieve your desired income level in retirement.

Pensions for the Self-Employed and Company Directors

As a self-employed person or Company Director, you are responsible for your pension planning. Investing in a pension can be a very effective way to offset any income tax for which you are liable.

We will be very happy to discuss your situation and to advise on the options available to you.


Annuities are a safe means of obtaining income in retirement but are not as flexible as Income Drawdown.

There are options to include your spouse and to have other guarantees.

Income Drawdown

Income Drawdown is a flexible alternative to Annuities. With the correct Drawdown Plan, assets can be passed on to spouse and children on the death of the policy holder.

Funds can be “drawn down” monthly or as a lump sum. Or a combination of the two.

Pensions & Divorce

Pensions can become a major issue in divorce settlements. We can help ensure that you fully understand the options available, and we can advise on where best to invest the proceeds of any pension funds split.

Diplomas in Pensions Advice are issued by the
Personal Finance Society or the Chartered Institute of Insurers

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.