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This website contains information which may or may not be applicableto your own situation and circumstances.

Any information or advice on this site does not constitute a personal recommendation. If you have any doubts as to whether a product or service is suitable for you, please seek independent advice.

Full Pensions Advice

Most people do not have adequate pension provision. The majority of us have old style pensions that are not benefiting from the ability to invest in a large number of the best funds from the top investment houses. This approach enables us to maximise the returns while minimising our risk and is available on the latest range of pensions. The latest pensions also have very competitive charges and no penalties!

Beware! Some old style pensions have been adapted to allow access to some funds from the investment houses. Do not confuse this with the latest style pensions that provide far greater access and reduced charges. For clarification, request our Full Pension Advice Service here.

As well as pensions that we are no longer contributing to, research has clearly shown that the majority of the UK population is not adequately funding a pension to provide them with an adequate income in retirement. Although the percentage of our income that we should contribute varies according to our individual circumstances, the figures below are a broad guideline.

• Someone in their thirties                            15 to 20% of annual income
• Age 40                                                     17 to 24%
• Age 45                                                     23 to 30%

For a full assessment of your current position, including your existing pensions, how much you need to contribute to build an adequate pension fund for your retirement, an individualised portfolio to match your aspirations, your risk profile and a recommended pension vehicle for you, please select our Full Pension Advice Service.

Benefits of Full advice

By taking our full advice service for a small fixed fee, you can receive all the information that you need to make your pension decisions. To summarise, you are able to:

• Unlock the potential of your existing pensions by transferring to the latest style pension
• Identify the necessary funding level to enable you to reach your goals in retirement
• Obtain details of the ideal portfolio of the top investment funds from the top investment houses to maximise the returns and minimise the risks based on your
• Attitude to risk and your personal financial circumstances from
• Specialised UK Independent Financial Advisers
• Thereby enabling you to obtain the best value from your pensions

For a full review of your pension situation  and assessment of whether you could potentially improve on your existing pensions by transferring to a new style pension, please select the relevant option on the left hand side (Best Buy Lists, Ask an Expert, Product Sales, Financial Guidance)

An adviser will contact you and conduct an overview shortly after receipt.