We at The Pension Review Team have come to realise over the years that the majority of people don’t really pay much attention to there pensions and in most cases have been left with the same provider for decades. We all like the peace of mind and when it comes to our retirement, arguably, nothing could be more important, That’s why you need a Pension Review.

Your pension savings have a lot to do with your peace of mind in retirement. If they’re working well for you, are you pensions making you money or costing you money year on year, your retirement should be everything you have ever wanted it to be.

But what if your pension is not?

An underperforming pension pot can leave you with much less in retirement than you expected. A pension scheme that doesn’t allow you the access you expected can give you much less flexibility. A pension scheme with high charges can see your savings slip away.

Our free pension review is designed to tell you both what’s not working for you and what is working well. We find that many of our clients have ‘review my pension’ on their to-do list for months (sometimes years) before requesting one of our pension reviews but never seem to have the time (or expertise) to take on the task themselves.

We will approach your existing provider, gather all the details, analyse your situation and then provide you with a full report.

If we think we can do a better job… we will tell you in the report.

If we think we can help improve your retirement prospects… we will tell you.

If we don’t think we can do a better job and that your retirement is heading in the right direction… we will tell you that too.

All of our IFA’s Are fully FCA regulated.  All of our options are in regulated UK markets…..No Off Shore Investments.

It’s likely that you will have questions during this process. Questions about your pension, your retirement and where you are heading in life.

We specialise in helping you to answer those questions.

How much do I need to save into my pension? Will I have enough money when I retire? These are the only some of the questions you will have answered when having a Pension Review with our experts.

This is a key question for many people close to retirement. You’ve saved hard all of these years, so what can you expect for your later life?

We’ll talk to you about what your hopes are for your retirement and look into your options for affording your desired lifestyle. We’ll also be able to discuss the difference any changes we could make will have on you from a practical standpoint: what will they mean to your retirement lifestyle and income?

When can I retire?

Another very common question for retirees and one that we can help you to answer when having a Pension Review.

Your retirement date can depend on a lot of factors: do you intend to completely finish working, or are you going to go part-time, or even volunteer? How are you planning on spending your time in retirement and how much income will you need? Do you have the option to take early retirement and are there any financial penalties involved?

We’ll help to talk you through the options and arrive at a place where you can see your retirement not just as a vague future situation, but a specific date on the calendar.

Is my pension growing as it should be?

Another common question for a lot of savers, and rightly so, but we have found that in many cases they are not growing as they should even though you are paying sky-high charges for the privilege of it not growing!

You need to be sure that your pension is performing in the right way for you, growing as you are expecting it to, but without taking undue risks that don’t match your own approach.

We can help you to discuss and analyse your current pension and then to potentially make any changes that could improve your position. If your current pension is working for you in the best possible way then that’s great, and our free pension review will put your mind at rest.

Should I take advantage of the new pension freedoms?

A common question since the pension freedoms came into force in April 2015 and one you can discuss with a Financial Advisor, They will be able to run through all of the Tax implications Etc

The new pensions freedoms have the potential to allow you to access your savings in a much more flexible way, but they also come with risks.

We’ll look at your situation and give you some guidance on whether the pension freedoms might be for you, or not, and whether your existing pension provider will be able to satisfy your requirements.

Is my pension value for money?

Pensions often come with a range of charges that can ultimately affect how much income you receive when it becomes time to draw an income from your savings. The benefit of having a pension review will explain what these charges have been and going forward what can be done to help reduce these charges and improve growth with other Providers.

We’ll look at the charges your current pension entails and what benefits you receive as part of these charges. We can also compare these across the market to see if your pension is value for money when compared with the available alternatives that are in the Market.

See if any of the following applies to you? 

If They Do You Need A Pension Review

Drop Us A Line

Have you had your Pensions reviewed this year? Or do you just take the word of your provider that it’s doing the best it can for you? Do you know what you get charged each year? is it costing you money or making you money? These are some of the questions a Full market pension review will answer for you. We only work with fully qualified FCA approved IFA’s and only offer fully regulated onshore investments to our clients. Simply fill in a contact form and one of our team will call you back and get the ball rolling.