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Pensions & Retirement
Plan ahead with confidence — from consolidating old pensions to drawdown and retirement income, built around the life you want.
Plan ahead with confidence — from consolidating old pensions to drawdown and retirement income, built around the life you want.
Your pension may need to support decades of your life, so it’s worth getting right. Here’s why planning ahead matters — and some of the options open to you.
This information is intended only as guidance. For advice on your specific circumstances, please get in touch. A pension is a long-term investment — the fund value may fluctuate and can go down, and your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
The performance of your investments is subject to risk. Its performance may fluctuate based on movements in the market and economic conditions. Capital is at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested.
Past performance is not a reliable indicator of future performance. Tax treatment is based on an individual’s unique circumstances and may be subject to change.
A 30-second estimate to get you thinking. For a figure built around your real pensions and circumstances, the next step is a free chat.
*Illustration only — not advice. Based on a simple guideline (25× desired annual income); ignores the State Pension, existing savings, inflation and tax. Your real figure will differ.
Annuities have long been the popular choice for security in retirement — but drawdown gives more flexibility. We’ll help you weigh up which is right for you.
Read the guide
Often your second-largest asset, a pension can be a major consideration in any divorce settlement. We can guide you through what’s involved.
Read the guide
Many of us still aren’t planning well enough — and we’re living longer than we think. We’ll help you start with a clear picture.
Read the guide
A workplace pension is an easy, hassle-free way to save for retirement while you earn. We can explain how it works for you.
Read the guide
The law requires employers to enrol eligible workers into a workplace pension scheme. We can help you meet your obligations.
Read the guideQuick answers — and you can always just call us on 0333 011 5550.
No — the first conversation is free and with no obligation.
Yes, we can review whether bringing your pensions together is right for you. Consolidating isn't right for everyone, so we look at your individual circumstances first.
We're based in Roydon, Essex, and advise clients across the UK.
Book a free, no-obligation chat with Laurence. We’ll look at what you’ve got and where you want to be — no pressure, no jargon.