Pension Planning

We want you to get excited about your pension. Because there’s a lot to get excited about. Your pension is one of the best ways to save for retirement and offers lots of valuable benefits.

There’s more to it than just putting money aside too. And that’s why we’re here. To help you work through the bits that might be putting you off fulfilling your pension’s potential.

There's more to your pension than meets the eye

  • Any growth in your pension is free from income and capital gains tax.
  • Basic rate taxpayers receive an extra £20 for every £80 they contribute.
  • Higher rate and additional taxpayers can claim an extra 20% or 25% tax relief through self-assessment.
  • Typically, you can contribute up to 100% of your earnings (up to £40,000).

The power of the workplace pension

All employers have to offer a workplace pension - and it shouldn’t be underestimated. In most cases, for every contribution you make to yours, your employer will make a contribution too (based on certain rules). If you’re not sure how much you’re contributing, it’s worth checking to see if you can put in more. Even if it doesn’t seem like much, a bit extra can make a big difference over time.

If you're self employed

When you’re self-employed it’s especially important to find the balance between maintaining a steady cash flow for your business and saving for retirement. We can help you consider potential ways to build your pension pot.

We're here for the late starters too

Obviously, the sooner you start saving into your pension, the more money you’re likely to have when you retire. But we’re here for every stage in life. So even if you think you’ve left it too late – talk to us. We might be able to help.

Important information about your pension

A pension is a long term investment and your Capital is at Risk. Your fund value will fluctuate and can go down. You could get back less than you paid in. Your eventual income will depend upon the size of the fund at retirement, future interest rates & tax legislation.

How we can help?

1. Do you need help with your pension and retirement plans?

You might already know or you might be unsure. Talk to us to see if you could benefit from our advice. We offer appointments in our branches, at your home or by video link.

2. Let's talk about you

We'll talk about your current pension plans. Then we’ll go away and create your unique financial plan.

3. What happens next?

We'll meet with you again to explain your plan – in plain English. If you decide not to act on it, that's fine. We won’t pressure you into doing anything you don’t want to. It’s our No Pressure Promise.

4. Bringing your plan to life

We’ll agree how much help you need from us to put your plan into action and any ongoing support you might need once it’s in place. You'll only be charged if you go ahead with your plan, and we'll talk about costs up front, so no surprises later.

Get in touch

Let us call you

We'll call you back at a suitable time for your free initial consultation.


A free initial consultation to understand your goals and see if financial advice could be right for you.

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