Pension Advice in York

It’s important to know whether your pension is growing as expected. I’ll review its performance and suggest improvements where needed, helping you make the most of your savings for the future.

High fees can reduce your pension savings over time. I’ll check the charges on your existing pension to ensure you’re not paying more than necessary. If more cost-effective options are available, I’ll help you switch, so more of your money stays invested.

From age 55 (rising to 57 in 2028), you can access part of your pension tax-free. I’ll explain how much you can take and what impact it might have on your long-term plans. Together, we’ll decide if it’s the right option, and I’ll take care of the details.

An annuity can provide a guaranteed income for life. I’ll guide you through how they work and help you secure the best deal. Whether you prefer a fixed income or more flexibility, I’ll ensure you find the right option for your needs.

If you want more control over your pension, a pension drawdown could be the ideal solution. This allows you to withdraw money while keeping the rest invested. I’ll help you manage it properly, ensuring your pension lasts as long as you need it to.

If you’ve worked for several companies, you may have multiple pension pots. I can help you consolidate them into one, making your pension easier to manage and potentially more cost-effective. A well-organised pension can also grow more efficiently, and I’ll handle the process smoothly.

Pension planning can sometimes be complicated, especially if you’re self-employed or have multiple pensions. I’ll simplify everything, helping you understand your options and create a clear plan for retirement.