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Early pension planning is key to later life peace of mind
Whether you are starting out on your working life, facing a significant life event – getting married, having children – or coming towards the end of your working life, retirement planning is key.
If you have more than one pension, are they in the right place, and is there an advantage in amalgamating them – for ease and for cost? Could you survive on the state pension? What do you want to do in retirement, and how much will that cost? Have you got enough in your pot?
The younger you start to consider these things, weigh up your options, and put some of the necessary items in place, the easier it will be. Generally, the longer the pot is growing, the better. Equally, it is never too late to start.
How we work
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same lender. Independent means that we can offer every kind of product from every lender.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 25 experienced advisers for the more obscure questions
- Access to every type of product from every lender – we are truly independent
- By your side all the way
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisers as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Meet your financial adviser
Dave Mills
Financial Adviser
As Principal of the business, Dave Mills has over 25 years’ experience in financial services, guiding clients towards achieving their financial goals. Specialising in pensions, investments and retirement planning, he works with clients to build, manage and protect their wealth throughout life’s journey. Whether you’re looking to grow your investments, plan for a comfortable retirement or make the most of your pension options, Dave provides clear, practical advice tailored to your individual goals. He believes in building long-term relationships and, offers comprehensive annual reviews to ensure financial plans continue to evolve alongside your changing needs, priorities and aspirations.
Outside of work, Dave is a dedicated season ticket holder at Brighton & Hove Albion and follows the Seagulls throughout the season. He is also a keen follower of most sports and likes spending time in the countryside, enjoying country walks and discovering traditional pubs. Dave shares his life with his partner, Jo, along with Drake, their Golden Retriever, and Ozzie and Ollie, their much-loved Pixie Bob cats.
"David was very informative and helpful throughout the process. I had not had anyone review my pension for many years, so it was great to finally have all the information I needed to make the decision to move my pension. I would highly recommend David."
Mary
FAQs
What is a State Pension?
A regular payment from the government that you can claim once you reach State Pension age.
How much do I get?
The amount you receive depends on your National Insurance (NI) record. You typically need 35 qualifying years to get the full new State Pension, and at least 10 years to receive any payment at all.
How do I find out my forecast?
You can check your personalised forecast and calculate your State Pension age using the Check your State Pension forecast tool on GOV.UK.
What is auto-enrolment in a Workplace Pension?
If you are aged 22 or over, earn more than £10,000 a year, and work in the UK, your employer is legally required to automatically enrol you into a workplace pension scheme.
How much goes into it?
Both you and your employer contribute. The minimum contribution is 8% of your qualifying earnings, with your employer paying at least 3% of that amount.
Can I opt-out?
Yes, but if you do, you miss out on free contributions from your employer and valuable tax relief.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
Get in touch