Pension Advice

Planning for retirement can be complex, but with the right pension advice, you can secure a comfortable future. At Joslin Rhodes, we provide expert pension advice services tailored to your unique financial goals.

Whether you’re just starting to save or approaching retirement, our team is here to help you navigate the various pension options, from workplace pensions to private schemes. We offer guidance on maximising your contributions, minimising taxes, and ensuring your retirement savings work as hard as you do.

With personalised strategies and clear advice, we’ll help you make informed decisions that align with your long-term plans. Take control of your financial future with confidence and let us support you in achieving a secure and fulfilling retirement.

Get in touch today to start planning for a brighter, worry-free retirement.

Speak with us today to arrange your no-cost meeting (worth £500) with one of our local pension & retirement planning experts.

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Don’t just take our word for it…

Read what some of our clients have to say about us…

We can get on and enjoy our retirement.

We were unsure how to manage both our savings and pensions. We went along to see the team at Joslin Rhodes and had several discussions about options open to us. We have now both investments and pensions being managed by Joslin Rhodes.

Connie Hall

Every step has been explained very well.

Really pleased how my Pensions have been handled with Joslin Rhodes. Every step has been explained very well so we could understand the process. Looking forward to the next stage being completed, also the hospitality we have received at our meetings has been excellent.

Stephen Coates

Very professional warm and friendly team.

Joslin Rhodes have taken the strain off us having to worry about money now that we have retired. They keep us informed and advised at every stage. It's a bit like having a friend who you can trust to look after your financial health while you are free to go about enjoying the rest of your life.

Karen Hammond

Nothing is too much trouble.

We called into Joslin Rhodes after a recommendation from colleagues. We went through a number of sessions talking and reviewing our situation with the view for early retirement. We were fully supported and given reassuring advice in deciding to retire early and are now very happy in our retirement. We would not hesitate to recommend Joslin Rhodes.

Rita Johnson

Their professionalism and knowledge certainly gives us confidence.

Friendly and welcoming staff, comfortable and relaxed atmosphere. It’s a very daunting and important decision when deciding on investments, particularly with pensions but their professionalism and knowledge certainly gives us confidence for a long and happy future.

Dave Redwick

My experience with Joslin Rhodes has been excellent.

As someone who really didn't understand pensions and was concerned for the future, I can say my experience with Joslin Rhodes has been excellent. Everyone I have met have been very professional but also friendly making you feel completely at ease. I cannot praise them highly enough for making this a pain free journey. A very big thank you.

Amanda Kelly

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Top 5 Frequently Asked Questions About Pensions

1. What Are the Different Types of Pensions Available in the UK?

In the UK, there are three main types of pensions: State Pensions, Workplace Pensions, and Personal Pensions. The State Pension is a regular payment from the government that you can claim when you reach State Pension age, provided you’ve paid enough National Insurance contributions. Workplace pensions are usually arranged by employers, while personal pensions are set up by individuals. Each type of pension comes with its own rules, benefits, and tax implications.

2. When Can I Start Claiming My Pension?

The age you can start claiming your pension varies depending on the type of pension you have. The State Pension age is currently 66, but this is rising to 67 by 2028. Workplace and personal pensions often allow you to start accessing your pension savings from the age of 55 (rising to 57 by 2028), though you may decide to defer taking your pension to receive larger payments later.

3. How Much Will I Receive from My State Pension?

The full new State Pension amount is £203.85 per week (as of the 2023/24 tax year). However, the amount you receive depends on your National Insurance record. You will need 35 qualifying years to get the full amount. If you have fewer qualifying years, your State Pension will be lower. If you want to check your forecast, you can use the government’s pension checker tool.

4. How Do I Find Lost Pensions?

When it comes to thinking about retirement one of the first thoughts is how much is in your pension pot or more importantly where are they located. After spending your entire working life in different jobs it’s pretty normal to forget where your pension is or to even have lost them. If you think you have lost a pension, you’ll need to contact each of your previous employers to find out who your scheme was with. You can use the pension tracing service to help you find them.

5. What is Pension Drawdown?

Pension drawdown is a method of withdrawing funds from your pension to supplement your income during retirement. To access your money in this way, you must be 55 years or older.

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Looking for practical, face-to-face help to tackle life’s money matters? Then join us at these no-cost workshops.

Whether it’s pension puzzles, care fee planning chaos, or sleepless nights from financial worries, we’re here to help.

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When you can afford to retire
How much money you'll need in retirement
How to make the most of your pensions and other assets to fund your lifestyle