Making sense of your pensions.

Pensions are often one of the largest assets people hold, yet they can be hard to make sense of - especially if you have several pots from different jobs, or you are approaching retirement and weighing income options.

What we may help with

• Understanding the pensions you already have and how they fit your plans
• Retirement planning and cashflow modelling to explore different retirement-income scenarios and how they may affect your financial position over time
• General information on consolidation of pensions (whether consolidation is suitable depends on your circumstances)
• Workplace and personal pensions, including defined contribution arrangements
• How your pension fits with your other plans, including investments, protection and what you want to leave behind

Consolidation

Bringing pensions together can simplify administration for some people. It is not automatically the right step for everyone. Charges, investment options, guarantees, employer contributions and tax treatment can all differ. We won't recommend a transfer or consolidation without first taking time to understand your circumstances and whether that step would be suitable for you.

How advice works

There is no charge for the initial conversation or meeting. It's a chance to tell us what you want from your retirement, ask any questions, and hear how we could help. There is no obligation to proceed, and we will explain the scope of our service and any charges before you agree to advice. We only provide personal advice after we have taken time to understand your circumstances, what you want to achieve, and what you need.

Who this is for

• You have pensions from several jobs and aren't sure what you have
• You're planning to retire in the next few years
• You've retired, or are about to, and want to know how to take an income
• You want to understand what the pension and inheritance tax changes from April 2027 could mean for you

General information about pension and retirement planning with Advance Wealth Limited. Information on this website is general and is not a personal recommendation. We only provide personal advice after we have taken time to understand your circumstances, what you want to achieve, and what you need.