Pensions

We will be honest—we know pensions aren’t everyone’s favourite topic. But like it or not, we are all going to need one.

The world of pensions is vast and, at times, baffling. From simple stakeholder plans to self invested schemes, right through to public sector pensions like the NHS scheme—there’s a lot to navigate. Add in the decisions you will need to make at your retirement, and it’s no surprise that many people feel completely overwhelmed.

That’s where we come in.

We have decades of experience in the pensions space. We work with clients right across the UK, providing tailored advice on everything from personal pensions to group workplace schemes, SIPP arrangements, and complex public sector benefits.

Whether you're just starting out, building your pension pot, or thinking about your options for retirement—we are here to guide you with open, honest and reliable advice.

As you approach retirement, we can help explore your options.

Thanks to recent changes in pension legislation, you now have more flexibility than ever before—but with flexibility comes complexities and questions:

• Should I buy an annuity or explore other options?
• Is a spouse’s pension essential to me?
• Can I take a lump sum—and if so, how much and when?
• What is a SIPP, and is it suitable for my needs?
• How will my pension be taxed?

No jargon, no pressure—just clear, personal advice so you can feel confident in your decisions and comfortable with your future.

Pensions might not be the most thrilling subject in the world, but ignoring them is rarely a good strategy and when it comes to planning for the future, it pays to talk.