Tailored Pension Solutions
Each service is designed to address specific retirement planning challenges with precision and care.
Understanding What You Need
Pension planning isn't a single action but a series of strategic decisions made at different life stages. The service you need today depends on where you are in your career, how many pensions you've accumulated, and how close you are to retirement.
Comprehensive Pension Review
We locate every pension you've contributed to throughout your career—including workplace pensions from former employers that may have been forgotten. Our analysis covers current fees, investment performance, and projected retirement income.
You receive a detailed report showing exactly where you stand, what you're paying in charges, and specific recommendations for optimization. This forms the foundation for all future pension decisions.
Includes: Full pension trace, fee analysis, performance review, retirement income projection, and 90-minute consultation.
Pension Consolidation Service
Managing multiple pension pots creates unnecessary complexity and often leads to higher fees. Consolidation brings your pensions together into a single, efficiently managed portfolio.
We handle all paperwork, coordinate transfers between providers, and ensure no tax implications arise from consolidation. The first year includes quarterly reviews to monitor performance and make adjustments.
Includes: Complete consolidation management, transfer coordination, first-year monitoring, and quarterly performance reviews.
Retirement Income Strategy
How you withdraw from your pension determines whether it lasts 15 years or 30 years. This service designs a tax-efficient withdrawal plan tailored to your lifestyle needs and longevity expectations.
We model various scenarios including lump sum withdrawals, phased retirement, and flexible income adjustments. The strategy adapts as your circumstances change, with quarterly reviews built into the service.
Includes: Bespoke withdrawal modeling, tax optimization strategy, ongoing quarterly reviews, and annual strategy adjustments.
Defined Benefit Transfer Analysis
Final salary pensions offer guaranteed income but lack flexibility. Transferring to a defined contribution scheme provides control and inheritance benefits but comes with significant risks.
This analysis is regulated by the FCA and requires specialist certification. We evaluate whether transfer makes sense for your specific situation, considering health, family circumstances, and financial needs.
Includes: FCA-compliant transfer analysis, comprehensive risk assessment, alternative scenario modeling, and detailed recommendation report.
Legacy & Inheritance Planning
Pensions can be structured to minimize inheritance tax and ensure wealth passes efficiently to beneficiaries. Proper planning can save your family tens of thousands in unnecessary taxation.
We coordinate with estate planning professionals to align your pension structure with broader inheritance goals, including trust arrangements and beneficiary nominations.
Includes: Inheritance tax analysis, beneficiary structure optimization, coordination with estate planners, and documentation preparation.
Annual Pension Healthcheck
Pensions require ongoing attention as regulations change, markets fluctuate, and your personal circumstances evolve. This annual service ensures your pension remains optimized and aligned with your goals.
We review investment performance, rebalance portfolios, assess fee structures, and adjust strategies based on legislative changes. Think of it as an MOT for your retirement planning.
Includes: Annual comprehensive review, portfolio rebalancing, fee optimization check, and strategy adjustment recommendations.
Combining Services for Maximum Impact
Many clients benefit from combining services. For example, starting with a Comprehensive Pension Review, proceeding to Consolidation, and then establishing an Annual Healthcheck creates a complete retirement planning framework.
During your initial consultation, we'll recommend the most appropriate combination based on your specific situation and timeline to retirement.
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