Our Services
Clear, practical pension advice tailored to your situation. Fixed fees, no hidden costs.
Every person's pension situation is different. Some need help understanding what they already have. Others are approaching retirement and need to decide how to access their savings. Some want to consolidate scattered pensions, while others need specialist advice on transferring a defined benefit scheme.
We offer a range of services to address these different needs. All our services begin with understanding your circumstances before making any recommendations.
Comprehensive Pension Review
£495A thorough analysis of your current pension arrangements, designed to give you a clear picture of where you stand and whether your retirement savings are on track.
What's included:
- Review of all existing pension arrangements
- Analysis of charges and fund performance
- Projection of retirement income based on current contributions
- Identification of any gaps or concerns
- Written report with clear recommendations
- Follow-up consultation to discuss findings
Ideal for anyone who has accumulated pension savings but is unsure whether they are sufficient or appropriately invested.
Retirement Income Planning
£895A comprehensive service for those approaching retirement who need to plan how to convert their pension savings into sustainable income.
What's included:
- Analysis of all income sources including State Pension
- Tax-efficient withdrawal strategy planning
- Comparison of annuity vs drawdown options
- Cash flow modelling for different scenarios
- Consideration of inflation and longevity risk
- Estate planning implications
- Detailed written plan with implementation roadmap
Recommended for those within 5 years of their intended retirement date, or already retired and looking to optimise their income strategy.
Pension Consolidation
£595If you have multiple pension pots from different employers, we can help you understand whether combining them would be beneficial.
What's included:
- Tracing of lost or forgotten pensions
- Analysis of each pension's features and charges
- Identification of valuable benefits that should not be transferred
- Comparison of consolidation options
- Implementation support if consolidation is recommended
- Post-consolidation review
Important: We will only recommend consolidation if it is genuinely in your interest. Some older pensions have guarantees worth keeping.
Defined Benefit Transfer Advice
£2,495Specialist advice for those considering transferring a final salary or career average pension. This is a complex decision that requires careful analysis.
What's included:
- Detailed analysis of your defined benefit scheme
- Transfer value assessment against the income you would give up
- Personalised cash flow modelling
- Risk assessment and attitude to risk discussion
- Consideration of death benefits and dependants
- Full suitability report as required by the FCA
- Implementation support if transfer proceeds
Regulated advice is compulsory for transfers over £30,000. We approach every case with appropriate caution—transfer is rarely the right choice, but sometimes it is.
Pension Sharing on Divorce
£695Expert guidance on how pensions should be valued and divided as part of a divorce settlement.
What's included:
- Valuation of pension assets for both parties
- Analysis of pension sharing order implications
- Advice on receiving pension credits
- Guidance on rebuilding pension provision post-divorce
- Liaison with solicitors if required
Pensions are often the second largest asset in a divorce after the family home. Getting specialist advice can make a significant difference to your financial future.
Annual Pension Health Check
£295An ongoing service for existing clients who want regular oversight of their pension arrangements.
What's included:
- Annual review of pension performance
- Assessment against changing circumstances
- Rebalancing recommendations if needed
- Update on relevant regulatory changes
- Priority access to your adviser
Available to clients who have previously used our comprehensive services. Helps ensure your pension strategy stays aligned with your goals.
Which Service Do You Need?
Use this guide to identify the most appropriate starting point.
How Our Process Works
Initial Discussion
We start with a conversation to understand your situation and concerns. This helps us recommend the most appropriate service and ensures we are a good fit for each other.
Information Gathering
We collect the necessary documentation—pension statements, benefit illustrations, and relevant financial information. We guide you through exactly what is needed.
Analysis and Research
Our advisers analyse your pensions in detail, research options, and develop recommendations tailored to your circumstances and objectives.
Presentation Meeting
We present our findings and recommendations in plain English, answering your questions and ensuring you understand every aspect before making any decisions.
Implementation
If you choose to proceed with our recommendations, we handle the paperwork and liaise with pension providers on your behalf.
Service Questions
Our fees cover all advice and analysis work. If implementation involves switching to a new pension provider, that provider may have their own charges which we will explain clearly before you make any decision. We do not receive commissions from product providers.
That happens fairly often, and it is still valuable. Confirming that your current arrangements are appropriate provides peace of mind. You pay the same fee regardless of the outcome—our advice is not dependent on you taking action.
A straightforward pension review typically takes 3-4 weeks from receiving your documents to presenting recommendations. Defined benefit transfer advice takes longer—usually 6-8 weeks—due to the complexity and regulatory requirements involved.
Yes. Pension tracing is included in our consolidation service, and we can add it to other services for a modest additional fee. The government's Pension Tracing Service can also help locate lost pensions, and we can guide you through that process.
Absolutely. Most of our clients now prefer video consultations. We use secure platforms and can share documents on screen during meetings. The quality of advice is identical whether we meet in person or remotely.
Our Commitment to You
Every piece of advice we provide is backed by professional indemnity insurance and delivered in accordance with FCA regulations. If you are ever dissatisfied with our service, we have a formal complaints process, and you have access to the Financial Ombudsman Service.
Ready to Discuss Your Pension Needs?
Get in touch for an initial conversation about how we might help.
Contact Us