Plan for the retirement you want, make the most of the tax breaks, invest your pension in line with your plan, and bring old pensions together where it helps — with a qualified UK adviser, online.
Your pension is likely to be one of the biggest things you ever build — and one of the easiest to leave on autopilot. Advice helps you make the most of it: paying in the right amount, using the tax relief you’re entitled to, investing it in line with your goals and the time you’ve got, and knowing whether you’re actually on track for the retirement you want.
A clear view of what you’re on course for, and what to change to reach the retirement you have in mind.
How much to pay in, and how to use the allowances and reliefs that make pensions so tax-efficient.
Your pension invested in line with your plan and your attitude to risk, not left in a default fund you never chose.
How to draw a sustainable income from your pension when the time comes.
Track down workplace and personal pensions you’ve lost sight of, and see what you actually have.
We check your pension is still on course as your life, and the rules, change — and adjust where needed.
Consolidating can make your pensions simpler and cheaper to run — but not always. We only recommend it when it’s genuinely in your interest.
Defined-benefit (final-salary) transfers need specialist advice that an online service shouldn’t take on. If that’s you, we’ll introduce you to a specialist firm in the Loyal North Group rather than stretch to fit.
From a concise fact-find to a written plan and ongoing reviews, all with a qualified UK adviser.
Start by listing the employers you’ve worked for — each is likely to have set up a workplace pension. You can also use the government’s free Pension Tracing Service to find lost schemes. As part of getting your plan together, your Plan Smart adviser will help you track down old pensions and gather the details, so you can see everything in one place.
Sometimes — but not always. Bringing pensions together can make them simpler and cheaper to run and easier to invest in line with your plan. But some older pensions have valuable guarantees, protected benefits or employer contributions that are worth keeping. Your adviser reviews each one and only recommends moving it if it’s genuinely in your interest.
It depends on the life you want and when you want it. Your adviser builds a clear picture of what your pensions and savings are on course to provide, compares it with the retirement you have in mind, and shows you what to change — how much to pay in, and when — to close any gap.
Yes. Your adviser can review your current workplace pension alongside everything else, so your whole retirement picture is planned together. If your employer still contributes, that’s usually worth keeping — we’ll factor it in rather than move you off something valuable.
Defined-benefit (final-salary) transfers need specialist advice that an online service shouldn’t take on. If that’s part of your picture, we’ll introduce you to a specialist firm in the Loyal North Group.
Your pension is held in safe custody by an FCA-authorised custodian and is eligible for FSCS protection. As with any investment, the value can fall as well as rise, and you may get back less than you put in.
The first conversation is free and without obligation. We’ll help you see what you’ve got and whether it’s working as hard as it could be.