Retirement Planning - Mother & Daughter

Retirement planning

What does this
mean for you?

Retirement is often seen start of a new chapter and the start of a whole new adventure. Retirement planning isn’t just about getting your funds organised, it’s about how you wish to spend your new-found freedom.

When you retire, you may want to take the opportunity to change your lifestyle completely, move home, start a new business or travel the world. And like all big projects, the more you can plan and think it through, the better your future could potentially be.

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Retirement Planning - Mother & Daughter Baking

Who Can We Help?

Due to the constraints and terms of various pension funds, our Free Pension HealthCheck can only advise people who fit into the below criteria:

We can advise on:

Private or personal pensions
Old workplace pensions
Defined benefit (final salary) pensions
Pensions valued over £10,000

We can’t advise on:

State pension enquiries
Unfunded public-sector pensions (E.g NHS)
Non-UK residents or looking to leave the UK
If you’re already receiving annuity payments
Pensions valued under £10,000

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Frozen Pensions Image

Managing your money

Getting financial planning advice before accessing your personal pension pot can go a long way to reducing your financial worries in later life. With people’s life expectancy increasing, you will spend more time in retirement than ever before, plus you may have health and care costs to consider.

The changes in pension rules have given those about to retire far greater freedom when it comes to using their pension pot, but freedom brings with it greater individual responsibility.

It is agreed that spending in retirement tends to follow the same trend regardless of your financial situation. People often spend more retirement income in the early, more active years of their retirement, with spending decreasing in the middle years and increasing again later in life with potential medical expenses more likely to be required.

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Peace of mind

We work with all major UK pension providers, allowing us to find the pension that helps you meet your retirement goals and ensures your retirement is in experienced hands.

About us

Pension experts – allowing us to fully advise you on all aspects of private pensions

ISO 9001 accredited – meeting the international standard for quality management

5 Star Trustpilot rating – consistent positive customer feedback

Independent & transparent – we are not tied to a single pension provider

Authorised and regulated by the Financial Conduct Authority – for your
peace of mind

What our clients say

My assigned advisor Alastair Milner was excellent from start to finish, good professional service.

Robert Kavanagh - January 2019

Great service, everything explained in an easy way, feel more comfortable with my pension now, found out a lot of interesting facts, thanks for your help.

Shonna Hattrick - March 2019

Excellent service throughout .. Pensions can be a minefield as we all know but the service i recieved from James Davis via e-mail and a couple of phone calls was second to none..I would recommend Pension Works to anyone seeking help with their Pension.. FCA authorised also a big PLUS..

Adam White - April 2019

Professional, fun to deal with and quick. Everything was explained well. A questionnaire to ascertain my requirements was undertaken.I was kept in the picture at all times and all the people I spoke to on the telephone were professional. They came up with a cracking plan for my money.I would not hesitate to recommend them.

D Oakes - February 2019

pension works did all the hard work. they took all my details, finances etc. gave me great advise, made it all clear, responded to phone calls and emails very quick and professional.

Stevan - April 2019

For years, I have been avoiding reviewing my pension - I always thought it was something complex that I'd have no understanding of. I discovered Pension Works and couldn't be happier with the service, with 2 quick calls and super friendly, patient team members - I'm on a fantastic rate and all my pension pots have been merged. Would highly recommend the service!

Sedge Beswick - February 2019

Very professional and efficient,took all the stress out of my transaction and explained every step of the process!

Mr Paul French - February 2019

The staff was very helpful and made things easyer for me to understand, thay were very good. Thank you for everything.

Sharon Wigg - February 2019

Pension Works were great in helping me sort out my various pensions. They talked me through them and helped me get the best deal and pension to amalgamate them into one pot. I have to say that I was very satisfied with the work they did on my behalf and still continue to do. I would recommend them to family and friends and also to anyone reading this review.

Susan Clayton - February 2019

Very good quality and excellent service Provided by your company easy to understand and very efficient help for pensions.

Jamil Bhatti - April 2019

Budgeting for your lifestyle

There are several factors to consider. You may have income from employment; equally, you could choose to give up work altogether and tick off the items on your bucket list. You could decide to downsize from a family home to a smaller property now your children may have flown the nest, which could be more cost effective to run or perhaps consider equity release to bolster your retirement income.

You may want to help children or grandchildren financially by paying for university fees or helping them with a deposit for a home of their own. You may also have to plan for a time when you might need to pay for help around the house, and for the likelihood of needing medical and nursing care in your later years.

Take professional financial advice today to help with your retirement planning, call 0808 164 2664 or start retirement planning today.

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