Services / Pensions
Pension advice for all stages — accumulation, consolidation, approaching retirement, and beyond. Explained in plain English, without the jargon.
Pensions are one of the most important parts of your financial plan — and one of the least understood. Whether you are just starting to save, approaching retirement, or already drawing your pension, understanding your options makes an enormous difference to how the rest of your life looks.
Pensions are one of the areas we are most passionate about. We have helped clients realise they were on track for a retirement that looked nothing like what they had hoped for — and then put a plan in place to change that. We have also helped people approaching retirement understand they had more options than they thought.
The financial industry has a talent for making pensions feel impenetrable. Our approach is different. We take the complexity and break it down into language you can actually understand.
“Pensions are one of the most important parts of the business I write. I am passionate about helping people understand something that too many advisers make unnecessarily complicated.”
“You do not need to arrive knowing anything about pensions. You just need to be willing to listen and want to understand.”
Pension advice across all stages — from your first contribution to drawing down in retirement and everything in between.
Workplace pensions, personal pensions, and SIPPs. Understanding how much you need to contribute, where your money is invested, and whether your current arrangements are on track for your goals.
Changed jobs several times? You may have pension pots scattered across multiple providers. We can help you understand what you have, whether consolidation makes sense, and how to bring everything together.
The decisions you make in the years before retirement — drawdown, annuities, tax-efficient withdrawal strategies — have an enormous impact on your income for decades. We explain the options clearly.
If you are already drawing your pension, we can review whether your current arrangements are still working for you and whether adjustments could improve your financial position.
The more complex something is, the more we enjoy breaking it down. That is probably the teacher in Jack. Pensions come with their own language — accumulation, decumulation, drawdown, annuities, SIPPs, lifetime allowance — and it can feel deliberately intimidating.
Our approach is to strip all of that back and focus on what actually matters: where are you now, where do you want to be, and what is the most sensible path between the two? Everything else is detail — and we will explain the detail as clearly as you need it.
You do not need to arrive knowing anything about pensions. You just need to be willing to listen and want to understand. We will do the rest.
“I get immense joy from taking the fear out of something intimidating — watching someone go from ‘I don't understand any of this’ to ‘I know what I need to do.’”
— Jack Eiles
As early as possible — but it is never too late. Even if you are approaching retirement and feel behind, there are always options worth exploring.
It depends on your age, your goals, and when you want to retire. We will help you model different scenarios so you can see what is realistic and what adjustments might help.
Drawdown allows you to take income from your pension while the rest remains invested. It offers flexibility but carries risks. We will explain whether it suits your situation.
A Self-Invested Personal Pension — a type of pension that gives you more control over where your money is invested. We will explain whether a SIPP is appropriate for your circumstances.
Whether you are just starting to think about retirement or you have a specific pension question, we would enjoy hearing from you. The first conversation is always free and carries no obligation.