Pension Services Designed Around Your Needs
Whether you are consolidating scattered pensions, approaching retirement, or reviewing existing arrangements, we offer the expertise and support to help you make sound decisions.
Our Core Services
Each service is priced transparently with fixed fees agreed before we begin work. No percentage charges, no surprises.
Pension Review
A comprehensive analysis of your existing pension arrangements to understand where you stand and identify opportunities for improvement.
- Review of all existing pension statements
- Analysis of fund performance and charges
- Assessment of retirement income projections
- Identification of any scheme benefits or guarantees
- Written report with clear recommendations
- Follow-up consultation to discuss findings
Retirement Planning
Detailed planning for the transition from work to retirement, including income strategies, tax efficiency, and lifestyle funding.
- Full financial situation assessment
- State pension integration analysis
- Tax-efficient withdrawal strategies
- Income sustainability modelling
- Inflation impact projections
- Implementation roadmap and timeline
- Two follow-up consultations included
Pension Transfer Advice
Expert analysis of whether transferring from one pension scheme to another serves your interests, with full regulatory compliance.
- Transfer value analysis report
- Comparison of current vs proposed scheme
- Risk assessment and projection modelling
- Assessment of guaranteed benefits
- Full regulatory-compliant advice letter
- Implementation support if proceeding
- Ongoing monitoring for 12 months
Drawdown Strategy
For those entering or already in pension drawdown, we structure withdrawals to balance income needs with fund sustainability.
- Current drawdown arrangement review
- Withdrawal rate sustainability analysis
- Fund selection recommendations
- Tax-efficient income sequencing
- Annual withdrawal budget planning
- Written strategy document
Annuity Comparison
If you are considering purchasing an annuity, we analyse the market to ensure you secure the best rates for your circumstances.
- Whole-of-market annuity search
- Enhanced annuity assessment
- Joint life and guarantee options review
- Inflation protection analysis
- Comparison with drawdown alternatives
- Provider recommendation and support
Annual Review
For existing clients, ongoing monitoring ensures your pension strategy remains appropriate as markets and circumstances change.
- Annual portfolio performance review
- Fund rebalancing recommendations
- Withdrawal strategy adjustment
- Legislative change updates
- Life event planning support
- Unlimited email and phone support
Service Comparison
Find the right level of support for your current situation.
| Feature | Pension Review | Retirement Planning | Transfer Advice |
|---|---|---|---|
| Pension statement analysis | Included | Included | Included |
| Fund performance review | Included | Included | Included |
| Income projection modelling | Basic | Comprehensive | Comparative |
| Tax efficiency planning | Overview | Detailed strategy | Transfer-focused |
| Written recommendations | Summary report | Full planning document | Regulatory advice letter |
| Implementation support | Guidance only | Full support | Full support |
| Follow-up consultations | One included | Two included | Included as needed |
| Ongoing monitoring | Not included | 3 months | 12 months |
| Investment | £495 | £1,250 | £2,500 |
Why Our Fees Work Differently
Fixed Fees vs Percentage Charges
Many pension advisers charge a percentage of your pension value, typically 1-3% initially plus annual fees. On a £300,000 pension, that could mean £3,000-9,000 upfront and thousands more each year.
Our fixed fees mean you pay for the work done, not the size of your pension pot. Whether your pension is £100,000 or £500,000, the work required to review it is similar, and our fee reflects that.
This approach aligns our interests with yours. We have no incentive to recommend higher-risk investments that might grow your pot faster, or to discourage consolidation that might reduce the value we advise on.
What You Actually Pay
Example: Pension Review
Our fee: £495 (fixed)
Industry average (1% of £250,000): £2,500
Your saving: £2,005
Example: Transfer Advice
Our fee: £2,500 (fixed)
Industry average (2% of £400,000): £8,000
Your saving: £5,500
Our Process
Every engagement follows a structured approach designed to gather information, analyse options, and deliver clear recommendations.
Discovery Call
We begin with a no-obligation conversation to understand your situation, concerns, and goals. This helps us determine which service fits your needs and allows you to assess whether we are the right firm for you.
Information Gathering
We request your pension statements, policy documents, and any relevant financial information. Secure document upload makes this straightforward, and we guide you through what we need.
Analysis Phase
Our advisers review your arrangements in detail, model scenarios, and develop recommendations. This is where the expertise happens, typically taking one to two weeks depending on complexity.
Presentation Meeting
We walk through our findings and recommendations in a consultation, explaining the reasoning behind each suggestion. You receive a written report to review at your own pace.
Frequently Asked Questions
Many people manage their pensions successfully without advice. However, professional guidance becomes valuable when facing complex decisions such as defined benefit transfers, approaching retirement with multiple pension sources, or wanting assurance that your strategy is sound. A single consultation can provide clarity that lasts for years.
All our pension advisers hold the appropriate qualifications required by the Financial Conduct Authority, including the Level 4 Diploma in Regulated Financial Planning. Several hold additional specialist qualifications in pension transfers and retirement planning. We maintain ongoing competence through continuous professional development.
A straightforward pension review typically takes two to three weeks from receiving your documents to delivering recommendations. Retirement planning may take three to four weeks given the broader analysis required. Transfer advice, with its regulatory requirements, usually takes four to six weeks. We can expedite urgent cases where necessary.
Yes, we regularly advise on workplace pension schemes including defined contribution and defined benefit arrangements. We can help you understand your scheme benefits, compare them with alternatives, and decide whether to remain in a scheme or transfer out. For current employees, we consider the value of employer contributions in any analysis.
Our recommendations are just that: recommendations. The decision is always yours. We explain our reasoning fully, and if you have concerns or see the situation differently, we discuss that openly. Sometimes clients have information or preferences that change the picture. We would rather you make the right decision for you than follow advice that does not feel right.
Our standard fees reflect the work involved in delivering thorough advice. For particularly simple situations, we may offer reduced fees. For complex cases requiring additional analysis, we discuss any additional costs before proceeding. We are transparent about pricing and explain what drives any variation from standard fees.
Not Sure Which Service You Need?
Book a free initial consultation and we will discuss your situation. There is no obligation, and you will leave with a clearer understanding of your options.
Schedule a Conversation