Realistic Pensions Advice and Support

Receiving realistic advice on pensions today will be vital to you and your spouse’s future welfare. We have a Chartered Financial Planner who specialises in pensions, and is officially listed as a Later Life Specialist Adviser.

If you are recently widowed, or separated in another way, we will meet you and help you understand your financial paperwork, and provide step-by-step guidance.

Many of our conversations are with business owners and senior managers who’ve grasped how much they have to gain by planning for their retirement. For example, research (Old Mutual Wealth/YouGov, 2014) showed that the average UK income (in retirement) is £19,000 per annum. However, the average for those who set goals working with a financial adviser, is £26,000. That’s £157,000 more over the course of a 21-year retirement.

Our experts search pension providers for the public and private sectors, and do everything humanly possible to ensure your investment and final salary vs your pension outcome is what you expect.

"I have found you to be well informed, thorough and good-humoured throughout, turning a potentially dull and box-checking exercise into an informative experience. I now feel for the first time in ages that my private pension is in better shape, and would have no hesitation in recommending you to anyone seeking advice on financial matters.”
Mr G

Click here to read what some of our other customers have said about our services.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.


On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your money purchase pension savings and the options you have in retirement.
Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it's unlikely that they will continue to account for as high a proportion of retirement income products as they have in the past. This document will explain further.
The government has introduced a new law designed to help people save more for their retirement. It requires all employers to enrol eligible workers into a workplace pension scheme if they are not already in one.

The Financial Conduct Authority do not regulate auto enrolment.
A workplace pension is a way of saving for retirement arranged by an individual’s employer. It is sometimes called a ‘company pension’, an ‘occupational pension’ or a ‘works pension’. Automatic enrolment into a workplace pension is an easy, hassle-free way for workers to save for their retirement while they are earning.

The Financial Conduct Authority do not regulate auto enrolment.
With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.
The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you have several options which are usually designed to replace some (or all) of your employment income.
We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think. This article explains further.
Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.