The quality of the investments within your pension is important, because the final amount that you have in your pension pot, to produce an income for you when you want to retire, will depend greatly on the investment decisions you make and the performance you achieve, during the years of accumulation.

The media constantly tries to portray that the 'charges' are the most important aspect of what your fund will be in retirement, whilst there is some truth to that, what they do not get across well enough, is that it is actually the returns that you get that will make the biggest difference to your retirement income, and that it is you, not the provider, who is responsible for those decisions.

Many of us accumulate a number of pension funds over the years which become difficult to keep track of, to manage and to understand what income you can expect to have from them when you reach retirement.

Employing and talking to a Specialist Independent Pension Adviser to manage and simplify your pensions and report to you on a regular basis, can make the process much easier for you and more profitable.  We ensure that your pension is invested sensibly and ensure the investments within are updated according to the current investment climate.  We build up a history of performance for you which will help you when making decisions about what income you can afford to take and which allow you to understand whether forecasts of what you can expect from your pension when you retire are realistic.

We have an extremely competitive and transparent charging structure which we believe is fair and valued and we are happy to compare what we do to anything else in the marketplace both in terms of cost and service. Our advice is collaborative, which means that we help you to make the decisions that you need to make to achieve your retirement goals.

If you are looking for a new pension or would like to simplify your current arrangements, we will advise you on the type of pension and the investments within, that best suit your circumstances. 

We offer comprehensive independent advice on pensions and we are happy to discuss your requirements with you in detail before you make any commitments, in order for you to understand what we can offer and how that compares to other options.  We also offer advice at retirement, for example on your income and tax-free cash options via an annuity or drawdown options.

On divorce, a pension is often a surprisingly large part of a couple’s estate and therefore usually forms an important aspect in divorce proceedings and negotiation. We can advise on how to negotiate and proceed in any pension sharing discussions.

Our aim is to offer clear, simple, sensible advice with an excellent, open and shared ongoing process of advice and planning, with very competitive and transparent fees and a highly personalised service to all our clients across Nottingham and the areas surrounding Nottinghamshire and across the East Midlands.

Our Independent Financial Advisers are always happy to meet at our clients' preferred location and time and to have detailed initial discussions with no obligation.

Please contact us by calling 01949 836173 or email us on This email address is being protected from spambots. You need JavaScript enabled to view it.