Pensions
When it comes to pensions, it’s hard not to get a little muddled and confused by everything that’s out there. There’s a lot of technical language, complex rules and history involved that makes the process difficult to navigate, but the importance of having a pension cannot be understated.

It is important to know exactly where you stand when it comes to your retirement. And it is never too late or too early to look into it. We’re here to answer any questions that you may have about your pension and your retirement options and take out the jargon and confusion.
We can help you find your old pensions that you may have built up over the years and advise you on what you can do to make the most of them. We take the burden away from you to make your pension planning easy.
Don’t worry, our team of fully qualified pension specialists have the right expertise and decades of experience in dealing with all types of pensions. We can help you understand your pension benefits and how they fit into your overall financial picture.
Our detailed research and advice can help you plan for the future with confidence by making informed decisions. We can look at the impact of retiring at different ages and understand what is achievable.
Thanks to Partner, MoneyHelper.com for providing this pension calculator.

Do I need a pension?
Yes, you need a pension.
A pension is a long-term savings plan that can help you achieve a comfortable retirement. In the UK, the State Pension is the basic government pension that everyone is entitled to when they reach State Pension age. However, the State Pension on its own is unlikely to be enough to live comfortably in retirement, so it's important to have other savings and income sources, such as a pension.
State vs Personal Pension
State:
Your state pension is available to you once you reach a certain age (you can find out when you're eligible to receive yours through the gov website). There are a few stipulations to whether or not you're entitled to receive a state pension based on your national insurance contributions. You are able to receive your state pension alongside your personal one.
Personal:
Your personal pension, or workplace pension, is based on what you choose to pay throughout your working years. There are many benefits to being in a pension scheme, which we can discuss with you based on your personal circumstances. However, the main benefits are:
- Tax relief (the government will contribute whenever you do)
- Added retirement funds
- Employer contribution