From the first time of speaking with Ashley, I received a truly fantastic professional experience.
We will analyse your finances and circumstances so you know exactly what you’ve got, if and how anything could be improved, and what that could mean for your future income. With a clear financial picture in place, you can start thinking about realistic and achievable goals. It could even mean the freedom to address your work-life balance sooner than expected. Whatever you decide, we will put a retirement plan in place to help you get there. Discover more.
What sources of income will you have in retirement and how do you manage them tax efficiently? Would you like the security of a guaranteed income or is the flexibility of pension drawdown a better option? And how do you make your money last for a retirement that could be 30 years or more?
We will take all this and more into account, delivering a plan that is tailored to your circumstances and how you want to live your life. Discover more.
Life changes. Sometimes by choice, often because of the things that are not in your control. So, if you choose our ongoing management service, we will regularly review your retirement plan to make sure it remains on track to deliver what you need it to.
The balance of your investments might need adjusting. Or an inheritance may mean you need to change your income strategy. A good retirement plan should be flexible enough to adapt.
Pension sense is making retirement planning less confusing with advice you can trust.
You are a one off: the plans you have, what keeps you awake at night, and the finances you have in place – both now and in the future. Our advice recognises this, so the retirement plan we create is as unique as you are.
And because our service is delivered by phone, video calls, post and email, you can take control of your retirement from the comfort of your own home wherever you live in the UK.
In 2017, the International Longevity Centre and Royal London published a report showing that people who took financial advice were, on average, over £47,000 better off in terms of pensions and financial assets compared with those who didn’t take financial advice.
It’s important to recognise that the report is quite old. In fact, the study began even earlier, looking at the finances of British people between 2001 and 2006 and then the value of their assets 10 years later. Yet, these types of generational studies do not come along very often, and it does give us a feel for the value of financial advice.
Also, from information published by the Financial Conduct Authority, we know that people are still making costly mistakes with their pensions. In the four years to May 2024, 56% of people who withdrew money from a defined contribution (DC) pension did not or could not remember if they considered the tax implications1, which is one of the most common pitfalls. And in 2023/24, over 145,000 DC pensions were withdrawn at a rate of 8% per year or higher1, which is not sustainable over the course of most people’s retirement.
1 Financial Conduct Authority Consultation Paper CP24/27***
It could be the start of your journey towards a more secure retirement
