With greater retirement choices now available, we can help you identify your target retirement income, understand how to use drawdown in a tax-efficient way, how to make the most from your tax-free cash entitlement, and what happens to your retirement fund when you die.

The value of pension and investments and the income they produce can fall as well as rise.
Tax treatment varies according to individual circumstance and is subject to change.
Transferring out of a final salary pension is unlikely to be in the best interests of most people.

Personal Pensions

A personal pension is a legal entity that allows fund to grow tax-efficiently. It is arguably the most important product for those looking to plan for their retirement.

Contractor Pensions

Contractors are not employed and therefore aren’t entitles to a work place pension. If you are a contractor, setting up a pension is not only important for retirement planning but also to reduce net profits in a business.

Group Pension Schemes

Whether you are an employer or an employee, understanding your options and rights in regards to a group pension is important.

Auto Enrolment

Whether you are an employer or an employee, understanding your options and rights in regards to a Automatic Enrolment pension scheme is important.

Directors Pension Schemes

If you are a successful Director, setting up a quality and flexible pension scheme early on is key to giving yourself options as your business grows, not to mention securing your retirement provision.

Pensions and Divorce

If you are currently going through a divorce then understanding your financial options clearly is a must. Specifically, we can help with, how pensions sharing works and what will happen to your pension post divorce settlement.


These options can allow for investment in a wider range of assets than other schemes while still having the tax benefits that come with a pension fund.

A CPensions and Retirement Planning