How we can help

We provide our customers with financial advice using a carefully selected range of products from Prudential and other providers. This is known as restricted advice. We’ll explain this in more detail when we meet.

 


Retirement planning

As we're generally living longer, it’s important to make sure you’ve planned ahead for your retirement.

We can review your current pension's and advise on a range of pension funds that can help you get what you want from your retirement.

 

We can help answer questions like:

  • How much is my pension worth?
  • How can I take money from my pension?
  • Are my investment choices still right for me?
  • When can I start taking money from my pension?
  • What options do I have when I retire?

Combining your pensions into one pot

Pension consolidation and transfer

You may have more than one pension and be thinking of combining a few or all of them or transferring pensions from one provider to another. We can advise you on pension transfer and consolidation.

Defined Benefit (DB) pension transfer

A DB pension can also be known as a final salary pension. You may be thinking of transferring your DB pension. If so we can advise on this complex area.

Combining pension pots isn't a simple decision. With an adviser on hand at every turn, you can find out if bringing your pension pots together under one roof is right for you.


Income in retirement

Following the changes to pensions in 2015, you’ve a number of options available to you when you’re approaching retirement.

We can advise on a wide range of retirement income solutions to help you make the most of the flexibility you have.

 

 
We can help answer questions like:
  • How much tax will I pay on the money I take from my pension pot?
  • When can I start taking money from my pension?
  • Can I take my pension money and keep working?
  • Whenʼs the best time to start taking money from my pension?


Investments and savings

Whether you’re investing in your retirement or saving for a rainy day, we can give you advice on a range of savings and investments.

 

 
We can help answer questions like:
  • How can I make my savings more tax efficient?
  • Should I move my savings and investments?
  • How much can I save into my ISA this year?


Leaving your legacy

Protecting your family

If you’re worried about what happens to your family’s finances if you pass away or get ill, we can advise on solutions to help protect your loved ones.

Estate planning

With increasing house prices, Inheritance Tax (IHT) is affecting a lot more people. We can give you advice on a range of trusts to help reduce the impact of IHT and also guide you through the complexities of estate planning so that you can pass on as much wealth as possible to your loved ones.

 

 

Understand how we can help you

The way that you decide to take your pension will affect what you can do with it when you die.

The value of your investment can go down as well as up so you might get back less than you put in.