Personal Pensions

Pension Freedom

The government has ushered in the greatest reform of pension legislation in a generation. You now have far greater personal freedom to manage your own finances in respect of retirement than ever before, but with that freedom comes the considerable challenge of planning and balancing income and expenditure over many years without exhausting your pension savings, and the responsibility to comply with ever changing regulatory rules while at the same time accounting for any income and/or inheritance tax. There may also be complex inheritance issues to deal with in some situations, particularly following divorce and remarriage. We can help you to understand the issues and make the correct informed decisions for your particular situation.


If you have money to save you may wish to look at ways you can access all the saving and investments allowances due to you by thoughtful use of products such as Individual Savings Accounts, and for children Junior Individual Savings Accounts, to shelter any growth in your savings from tax in future (restrictions apply). In planning and investing for the future we will work with you to help you ensure that your savings are invested appropriately for you and to structure your savings to allow you to access portions of them to meet your requirements over time.


If you have a number of historic defined contribution pension pots and are unsure of the value, suitability or cost effectiveness of these, we operate a full review service where we will assess the plans you currently hold and make suggestions as to options you may wish to consider to ensure your future pension planning meets your personal aims and objectives and continues to do so.


We understand that divorce can be difficult and may mean coming to terms with financial matters previously dealt with by, or in partnership with, a spouse. We will work to protect your future by advising on pension splitting on divorce and putting in place new arrangements for your future after a settlement is agreed.


Perhaps you are looking to secure the best open market annuity, and are wondering if you are eligible for an enhanced annuity through, for example, impaired health. You may be considering cashing in a pension pot, or thinking of moving to Drawdown within an existing arrangement where you aim to balance future investment performance and withdrawals over the longer term. There are now many options available to those approaching retirement. Some can offer consistency of income, some offer flexibility, some are higher risk than others and most have implications for income and inheritance tax that should be examined prior to any decisions being taken. We can help you explore and understand your options and make the best choice for your individual circumstances.

Executive Pension Arrangements

If you are self-employed or in a partnership, are a high net worth individual, company director, business owner or executive, we can advise you on and administer a wide range of pension arrangements including Self Invested Personal Pensions (SIPP’s), Group Self Invested Personal Pensions (GSIPP’s) and Small Self-Administered Schemes (SSAS’s), with a particular emphasis on actively managing investment portfolios, the purchase of individual property units and loan backs. We’ll work with you to develop specific wealth management strategies to match your individual aims, objectives and circumstances and our project management of commercial property unit purchases is designed to ensure the most cost effective and appropriate solutions are put in place to support you and your business.

We also advise on Lifetime Allowance, Protection and IHT Planning solutions for clients in respect of their pension and other investments.


It’s important to ensure that you and your family are protected should something unexpected happen. We’ll help you gain peace of mind about the future by selecting products that will provide the protection for you and your family that you are seeking.  We can advise on Life Assurance,  Private Medical Cover and Income Protection Arrangements as well as Trusts and IHT planning where appropriate.


Please note that SSAS, some forms of IHT planning, National Savings and Trusts are not regulated by the Financial Conduct Authority.