For most, retirement will be funded in the main by a pension. It is therefore vital you have a robust plan in place that will allow you to grow and protect your pension, both now and in the future.

With ever-changing rules and regulations, we now have a pension system that is often difficult to navigate, putting many off using this as a savings vehicle. 

Pensions should not be dismissed so lightly. Through tax relief (available up to 45%, possibly more) and tax-free growth, there are still powerful incentives for funding a pension.

Higher rate taxpayers, for example, using their full £40,000 pension annual allowance can convert a £16,000 tax bill into their retirement savings.

We work with you to gain an understanding of your situation and your future goals, creating a personal tax-efficient plan that allows you to have the retirement you have always dreamt of.

We can help you:

  • Help you understand and make maximum use of your contribution allowances
  • Manage or protect your pensions from the Lifetime Allowance (currently £1,073,000)
  • If you are an owner or director of a company, consider ways to fund pensions to both extract profits tax-efficiently for you and provide the company with corporation tax and national insurance relief
  • Consider if your existing pension scheme is the most suitable for you and allows you the options you need.  
    1. Alternative schemes such as Self Invested Personal Pensions (SIPPs) give you control over your pension fund and allow a greater range of investment types including commercial property.
    2. Similarly, Small Self-Administered Schemes (SSASs) allow loans to the company and enable you to buy and leaseback company premises
  • Assess whether your existing investment strategy is appropriate for you and on course to meet your future retirement objectives

Our teams

Our award-winning team is professional, personable and highly qualified. The majority of our financial planners hold either the Certified Financial Planner (CFP) status, an internationally recognised advanced financial planning qualification or are Chartered Financial Planners, the premier qualification for financial advice professionals.

Their skills and expertise are consistently endorsed by client feedback. On VouchedFor, the UK’s leading review site for financial advisors, their average combined score is 4.8 out of 5.

You can view all of our reviews here

For the last four years, we have been named as one of the top 10 Financial Planning firms by the FT Adviser and have been awarded the Citywire New Model Advisor award for National Financial Planning Team of the Year for the third year. We have also held the Gold Standard Award for Independent Financial Advice for the tenth year.

Get in touch 

Please get in touch if you would like to speak with one of our advisers about planning for retirement and managing your pensions.Â