Pension Advice & SIPPs

Most people accumulate pensions rather than plan them. A scheme from an old employer, a personal pension started years ago, perhaps a SIPP opened during a period of more active interest. Individually each one made sense. Together they are rarely a plan.

What we advise on

Self-Invested Personal Pensions (SIPPs) give you a wider range of investments to choose from and more control over how your retirement savings are managed. That control is worth having if it is used deliberately, and worth questioning if it is not.

Personal pensions are the more hands-off option, managed by the provider. For many people that is the sensible choice, and we will say so.

Existing and workplace schemes often hold guarantees or protected benefits that are easy to lose and impossible to get back. We look at what you already have before suggesting anything new.

We also have extensive experience with SSASs, and with onshore and offshore bonds where they are appropriate.

Whole of market, and not incentivised

As Whole of Market Chartered Independent Financial Advisers we can search the entire market rather than a restricted panel. We are not financially incentivised to recommend particular products or providers, which means a recommendation to leave a pension exactly where it is carries the same weight as any other.

How we work

The first appointment is free and carries no obligation. It exists so you can understand what we do and we can understand what you are trying to achieve. If we do not think we can add value, we will tell you.

You can meet us at either office — 6 Merlin Mews in Bishop’s Waltham, Hampshire, or 3 Park Court in West Byfleet, Surrey.

Occupational pension schemes are regulated by The Pensions Regulator. The value of your investment, and the income from it, can go down as well as up and you may not get back the full amount you invested.

The Financial Conduct Authority does not regulate tax advice. Tax treatment varies according to individual circumstances and is subject to change.