Pension Advice

Whether you've left a trail of pension paperwork in your wake or have contributed to the same one for 35 years, we are expert independent advisers and can help you decide what to do with your pension (or pensions!).

We can advise you on:

  • Pensions and retirement planning
  • Pensions transfer
  • Pension drawdown
  • Pension ­­consolidation
  • Pensions and divorce
  • Pensions review
  • Self Invested Personal Pensions (SIPPS)
  • Stakeholder pensions
  • Annuity purchase

We're independent

As such we can review and advise on all types of pensions from all providers. When we give you pension advice, our only interest is yours. We're not tied to any provider so if we think you should switch providers then that's because we believe it's right for you. If you want we can help ensure your private, company and state pensions are all in good shape for your retirement. When you just need someone to explain it all clearly so you can make some informed decisions, you need to talk to us. We hate jargon too.

We’ll help you understand your options

Before Pension Freedom rules were introduced in 2015, after you’d taken your tax-free cash from your pension pot, you’d use the rest to buy an annuity, providing you with a steady income for the rest of your days.

Pension Freedoms opened-up a whole new range of options for you to access your pension pot. However, with such an array of options, you may be left wondering which products are right for you.  Some pensions offer more flexibility than others. Some have added benefits you might not even be aware of. We’ll guide you through what can be a complicated set of rules, making it clear which options best suit your needs.

We can advise on Pension Transfers

We hold the permission of the Financial Conduct Authority (FCA) to advise on Occupational Pension Transfers, including Final Salary and Defined Benefit schemes. So, we really are your local experts. This is not a service that all Financial Advisers can offer.

Don’t wait too long

This is really important, don't put it off. Think of it in the same way as you have your income from work, your pension is a key part of your income in later life, you've earned it. You might even be pleasantly surprised, and we promise to make it pain free.

It all starts with a chat

Come and see us for a chat about your circumstances, what your concerns are and what you're trying to achieve. This is completely free and there’s no obligation or pressure for you to take it any further. Just give us a call on 01642 52 55 11 or drop us an email, it could be the best decision you ever make. We are based in Stockton-On-Tees, so if you want pension advice in Middlesbrough, or pension advice in Darlington, Durham or any other surrounding areas, we're perfectly located to help you.