Retirement planning
made easy for you
Retirement is one of life’s greatest milestones.
Understanding how to make the most of your money is no easy task.
Looking to the future
You invest so much hard work over a lifetime to build the foundations for the best possible retirement. Having a carefully thoughtout plan for when you do retire is just as important as building your retirement funds in the first place.
Our aim has always been to bring the highest quality of advice, to people from all walks of life.
The quality of our carefully assessed and implemented advice empowers people with faith and confidence in the future that lays ahead.
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Free Initial Consultation
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5 Star Trustpilot Service
Trusted by over 1,400 IFAs
Fixed & transparent costs
Pension Transfer Gold Standard
Professional advice for every stage
Preparing for retirement involves three key stages: accumulation, consolidation, and decumulation. No matter where you are in your journey, we can give expert indepedent financial advice to ensure that you are always prepared for the future.
Get started| Accumulation | Consolidation | Decumulation |
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Delivering affordable advice
A cost effective way to plan ahead for your future.
Mitigate risks
Such as inflation, investment volatility, and running out of money.
Sustainable income
We ensure that your pension is in the right place throughout your retirement.
Whole of market
We can deliver the most suitable solutions for your requirements.
Things to consider
- How to prepare your pension to align with your desired lifestyle.
- Where to allocate your pension funds strategically to achieve your objectives.
- Suitable methods of accessing your pension based on your unique circumstances.
- Determining the amount of funds required for your retirement and exploring ways to fund it.
- Ensuring your retirement plans align with the needs of your spouse or dependents, if applicable.
Your retirement planning journey
Getting to know you
We find out what's important to you, your financial circumstances and your long term goals.
Build your plan
Our advisers analyse the best options and provide you with a comprehensive roadmap for retirement.
Keeping you on track
Manage your investments and make informed decisions about your future for peace of mind.
Retirement planning specialists
At Pension Works, it’s our job to make sure your pension is working hard and helping to deliver the comfortable retirement you deserve.
We believe in delivering expert pension advice to everyone, helping people across the UK take control of their pensions to secure a comfortable retirement. We believe in accommodating the needs and flexibility of all our clients, which is why our advice is delivered to you remotely.
Pension Works are completely independent, meaning that we work with the most trusted and well known pension providers in the UK. We are always working for you in a transparent manner to deliver jargon-free, professional advice that is affordable and at a time that suits you.
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Frequently Asked Questions
What are your fees?
We pride ourselves in being transparent about our affordable and competitive fees, outlined in the table below.
| Financial Planning Fee | £1,495 |
|---|---|
| Implementation Fee | 1% of Fund Value |
| Maximum Implementation Fee | £9,950 |
Why should I get pension advice?
Pensions can be a complex area of financial planning which is often confusing, that is why it is vital to talk to someone who can explain your pension to you in plain English, enabling you to make informed decisions regarding your future. We are open and transparent, meaning the advice we give will always be in your best financial interest, even if this means we advise you to retain your current scheme.
How do I qualify for this service?
We accept any clients over 55, are based in the UK and are a UK taxpayer. We also require a minimum combined fund value of £45,000.
How long does the advice process take?
Our Retirement Planning advice service takes around six weeks from initial engagement to advice call. Pension transfers can take longer depending on the providers involved, but we will keep you informed every step of the way.