Pensions
Building, organising and making sense of your retirement savings.
What this is
A pension is a long-term, tax-efficient way to save for later life. Many people accumulate several pensions over a career, including workplace schemes, personal pensions and older plans, and lose track of what they hold and whether it still suits them.
What I can help with
- Defined Contribution (DC) Workplace Schemes
- Personal Pensions
- Stakeholder Pensions
- Retirement Annuity Contracts (RACs)
- Section 32 Buyout Plans
- Section 226 Plans
- Executive Pension Plans
- Annuities
Common questions
Can you help me track down old or lost pensions?
Yes. Many people build up several pensions over a career and lose sight of what they hold. I help you gather the details of the schemes you have, see how each is invested and what it costs, and build a clear picture of where you stand before deciding anything.
Should I combine my pensions into one pot?
Sometimes, but not always. Bringing pensions together can simplify things and reduce costs, but some older plans carry valuable guarantees or benefits that are worth keeping. I look at each plan on its merits and only suggest a change where it genuinely leaves you better off.
How much should I be paying into my pension?
There is no single right number; it depends on your age, goals, other savings and what you can afford. I help you weigh up what you would like retirement to look like against what you are putting away now, and adjust the plan as your circumstances change. Tax treatment depends on your individual circumstances and may change.
Not sure where to start?
You don’t need to have it all figured out. Get in touch for a free, no-obligation conversation and we’ll work out the right next step together.