Service

Pensions

No more restrictions, nothing holding you back. Now is the time to make memories and make your dreams come true. There’s no excuses now. What are you waiting for?

Independent Pension Advice to put you on the right path.

From consolidating your pension pots to calculating your target retirement income, let us simplify pension planning and give you the right expert advice you require.

Whether you are five or 25 years from retirement, understanding your pension options means you can plan for the retirement life you want.

Tailored Experience

Our advice is centred around you.

Independence

We are not tied to any products or providers.

Local Advice

Not part of any national advice networks

Regulated Expert Advice

Fully qualified FCA regulated pension specialists.

* When investing, your capital is at risk.
The value of your investments can go down as well as up and you may get back less than you put in.

FAQs

What services do you offer?  Are you independent?

An adviser must tell you what services they offer, including whether they’re an independent adviser.
The phrase ‘independent financial adviser’ has a particular meaning that’s set out in the the rules we have to follow.
To be called independent, we must be able to offer a range of products from across the whole market and provide unbiased and unrestricted advice based on a comprehensive and fair analysis of that market.

How am I protected in the event of things going wrong?

We will give you a personalised recommendation based on your circumstances and the information you have given us.
You can take your complaint to the Financial Ombudsman Service if you think you were mis-sold a product or recommended something unsuitable.
And you will be protected by the Financial Services Compensation Scheme.

Should I consolidate my existing pensions?

If you’ve had several different jobs, then you probably have several different pension pots which can make it difficult to keep track of your retirement savings and plan for the future.

If suitable you can easily manage your pension in a single pot with investments that match your plans and requirements.
We can review your current plans and advise if you would benefit form consolidation.

How much money will I require in retirement? Am I currently saving enough?

We can help you calculate your income and expenditure requirements and create a plan to ensure you meet your target income and retirement dates.
We’ll also stress-test the plan to ensure you are protected in the event of life not quite going your way.

Will you give me ongoing advice and what will this cost?

We offer ongoing advice with annual reviews and cashflow planning to clients who require it.
This ensures that expenditure remains sustainable and also your investments are always in the right place.

We charge 0.50% per year of assets under or management for this service which is up to 50% cheaper than many advisers.

Get in touch

Partner with experts
for a better tomorrow.

We’re here to help! If you have any questions or need assistance with your financial planning, don’t hesitate to contact us. Your journey towards financial success starts here!

01908 764030
Lovat Bank. 37 Silver Street
Milton Keynes. MK16 0EJ
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