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Pension Specialists
Your pension is important...
It can provide an essential money-source for your dream retirement and enables you to live the lifestyle you have worked hard to obtain. Pensions have also changed significantly over the last 20 years.
You may have had several jobs or had a period of self-employment which will have affected the type and complexity of your pension.
Here at The Private Office, our pension planning specialists can help you clearly understand your options and give pension advice that is suited to your circumstances and individual needs.
Please note: the value of investments and the income derived from them can fall as well as rise. You may not get back what you invest.
Pensions
- Pensions explained
- Pension types
- Can I consolidate my pensions?
- When can I retire?
- How to be tax efficient with your pension contributions
- Draw down
- Pension Transfer Gold Standard
- State pensions
- Defined benefit pensions
- Defined contribution pensions
- SIPPs
- Annuities
- Lump sums
- What is a Transitional Tax Free Amount Certificate?
- What happens to your pension after death?
- Retirement calculator
About our calculator
Take back your financial independence
Knowing if you have enough wealth to maintain your desired lifestyle in the future is important
In just 3 minutes you use our calculator to work out if you truly have financial freedom
Bias free and independent advice for every type of pension
Here at The Private Office we have a team of specialists that can advise on a wide range of pensions.
We have used our expertise in pension planning to provide you with information about the pensions that matter to our clients, as well as the ones that may not be as recognised.
Learn more about SIPPs and understand if they are the correct option for your circumstances
Understand more about the types of pensions and determine what would work for you.
Demystify your understanding of defined benefit pensions. What are they? What do you need to know?
Maximising pension tax relief
No-one likes to pay unnecessary tax. Our pension advice specialists help clients and their families optimise their tax arrangements.
Please Note: The Financial Conduct Authority does not regulate tax advice
£60000
standard Annual Allowance
*a lower/upper limit may apply£286275
Lump Sum Allowance
*a lower/upper limit may apply£1073100
Lump Sum and Death Benefit Allowance
*a lower/upper limit may apply60%
is your effective income tax rate
*on income between £100,000 - £125,140Retirement
Nearing retirement
Once you have decided on retiring, you’ll need to decide on the best way to take your pension.
There have been a number of changes to the way you can extract money from your pension plans in recent years. Below are a few of the options our retirement planning specialists can help with.
Annuities
What are the benefits of buying an annuity with your pension funds and is this the right option for you.
Drawdown
Drawdown can be a flexible way to draw an income from your pension as and when you need it.
Lump sums
Lump sums can provide a tax-free cash amount but how does it work and what options are available?
Specialist pension services
Our retirement planning specialists offer a number of services, bespoke to your needs. These areas can be complex and often need special care and attention. Read more about these or call us on 0333 325 9065 for more information.
Our awards
Leading expert advice
Our achievements demonstrate our continued efforts towards technical excellence, professional integrity and client service.
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Chartered Financial Planning Firm of the Year 2022/23
The Personal Finance Awards celebrate high standards and exceptional consumer outcomes within the financial planning profession. ‘Chartered Financial Planning Firm of the Year’ is the only award given at a company level by the PFS.
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The Financial Times Top 100 Financial Advisers, 2018-2024
The awards identify firms based on a range of different areas, the best investment advice firms assisting clients in the market, and those who demonstrate that savers can be certain their money is being managed by the best people.
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Top Rated Firm 2020-2024
Rated 4.8 stars of 5 at Vouchedfor
4,040 reviews for 54 advisers
Meet our expert team
People Block
Alex Shields
Partner - Chartered Financial Planner, FPFS
Alex looks to build up a detailed understanding of his clients’ situations which enables him to provide advice tailored to their circumstances. He believes that it’s crucial to communicate in a clear and straightforward manner to put his clients’ minds at ease.
Abby Ivison
Financial Adviser - Chartered Financial Planner, APFS
As a Chartered Financial Planner, Abby offers insight to guide clients with their financial needs. She is passionate about providing friendly, sound, and honest advice in a way that’s easy to understand so that her clients can feel empowered to achieve their financial goals.
Daniel Lea
Senior Financial Adviser - Chartered Financial Planner, APFS
Daniel helps clients with their financial needs and advises on various aspects of financial, investment, and retirement planning. He adopts a friendly, straightforward approach towards his work, aiming to empower his clients with informed decision-making.
Arrange a free initial consultation
We are committed to helping all of our clients create, sustain, protect and grow wealth.
Reach out to our team of financial advisers near you to learn more about how we can help you preserve your future wealth.
Our relationship step-by-step
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Discovery
A short phone call with some simple questions to ensure we’re a good fit. Initial meeting, without charge or obligation, with a qualified financial advisor to get to know you and your financial position.
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How can we help
Formulation and agreement of your bespoke service and fees.
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Solutions and advice
Detailed financial plan based on market research and financial modelling.
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Implementation and ongoing review and service
Plan execution, ongoing portfolio review, valuations and service assessment.
Contact us today to see how we can help you manage your wealth.
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