Our pension consultants can help you to position your pension optimally…

Many people spend 40 years paying into a pension without ever speaking to a pension consultant, all too often only considering them as retirement approaches when it can be too late to effect beneficial change.

Our pension consultants can help you to consolidate historic schemes into a single pension with a suitable and coherent investment strategy.

Pension rules have changed considerably in recent years and can now offer investors significant advantages for example some higher rate taxpayers can save as much as 60% tax on pension contributions and some pensions can be Inheritance Tax Free. 

We can help with:

  • Investment Management 
  • Wealth Management
  • Financial & Tax Advice
  • School Fee Planning
  • Pension Advice

If you would like to speak to us please book a phone call by clicking here

Our meetings are always free and carry no obligation

Email us at

Call us on 01635778888

Or come and see us at: The Old Brewhouse, Yattendon, West Berkshire, RG18 0UE

Personal Pensions

The most common type of pension in the UK, typically invested in through a work scheme. Our pension consultants are very used to collating data from multiple personal pensions, rationalising it and giving pension advice on consolidation.

Pensions commonly make up a large percentage of an individual’s investment portfolio but are too often overlooked as part of an overall investment management strategy, our pension consultants work directly with private clients who often have several historic pensions that need to be consolidated so that they are in a coherent strategy.

In recent years pensions have become even more central to overall personal financial planning as in certain circumstances they can be Inheritance Tax exempt.

Our pension consultants will do all of the hard work, the end result is typically lower fees and a more suitable investment strategy.

Self-Invested Pensions Plans (SIPP)

A self-invested pension plan is a more flexible form of pension, giving the owner more freedom in how to invest. Instead of selecting a generic investment pot as in the case of a personal pension, the client can invest in a wider range of assets including equities, bonds, funds, commercial property and land.

SIPPs are often used to consolidate several historic workplace schemes so that all pensions can be under one roof and invested in a coherent way. SIPPs can also be used for effective Inheritance Tax planning.

Our pension consultants have a great deal of expertise in advising on SIPPs

In some cases, it is also possible to own “real assets” within a pension such as commercial property and agricultural land.

Defined Benefit Schemes

Unless you work in the public sector or have a historic scheme, gone are the days of retiring with a generous guaranteed ‘defined benefit’ pension, also known as ‘final salary schemes’.

These ‘Gold Plated’ schemes have made way for lower quality and more temperamental workplace pension schemes, where the employers’ burden of responsibility is transferred to the employee.

Our pension consultants can offer measured advice on this part of your personal financial planning.