Take control and feel secure with an even smarter savings plan. Let us do the hard work for you.
The best places for your savings are pensions and ISAs
A pension is just about the most efficient savings tool there is. Tax relief, compound interest and employer contributions are essentially free money for you.
And new regulations mean you have more freedom than ever before about how and when you access your savings.
Fantastic tax benefits and flexibility make ISAs a popular choice. There is no tax on savings and withdrawals, and with the right product you can access your money whenever you like.
Also, you can now choose an ISA that will give you a guaranteed income.
Which is best?
Generally it’s a good idea to have a mix. This way you can quickly access money if you need to while making sure that you make the most of tax relief, tax benefits and compound interest.
We can help you to get the right mix – talk to us today.
Do charges really matter?
Yes, a lot.
For a £50,000 pension pot just a 1% reduction in annual charges could mean an extra £25,000 for you over 20 years1.
That’s a lot of money and we can help fix this for you.
A refreshingly frank approach
There’s no unnecessary jargon for you to decipher, no home appointments for you to squeeze in and no commitment to pay anything without knowing what you are going to get. All we need are a few basic details to get started.
A few great reasons why over 14,000 people in the UK trust us with their future
We look after over
for our clients
Full advice with
to pay us
Our advisers have the
3 easy steps, from start to finish
We learn about you, your finances and your plans for the future.
2. Decision time
We decide on our best advice. You then decide if it’s right for you.
We will arrange everything for you with the minimum of fuss. Simple.
Good to know...
Pension switching: all you need to know
By switching to a modern pension now you could boost your savings and be free to do all the things you want to do in the future.
Future protected income: they key facts
Whatever your plans for retirement, you can now protect them against any last-minute, sudden slumps in the stock market.
What is a no obligation pension review?
You won’t have to pay us a penny to find out what we think you should do with your pension and what any proposed changes could mean for you.
1Based on a £50,000 sum at outset, growing at 6% per year before charges of 0.5% and 1.5%.
2 We have assumed that your savings grow by 5% annually, you receive the current full state pension of £8,268 per year when you retire and that you purchase an annuity with a rate of 3.4%. Our assumptions do not take into account inflation or charges. The results are based on work by The Institute and Faculty of Actuaries which has calculated the suggested pension for more than 40 different professions.
On this page we talk about tax implications for your pension. Tax treatment depends on your individual circumstances and may be subject to change in the future.