You may be able to take your pension as a lump sum, drawdown a flexible income, or purchase an annuity for guaranteed payments. We’ll explain the pros and cons of each, so you can choose the best option for your needs.

Currently, most people can access their pension from age 55 (rising to 57 in 2028). However, accessing too early can impact your long-term retirement income. We’ll help you understand the best time and way to draw your pension.

Yes. We’ll review your current pension arrangements, ensure they’re working hard for you, and explore ways to boost your retirement income — from optimising contributions to using tax allowances effectively.

We advise on all types of pensions — workplace schemes, personal pensions, SIPPs (Self-Invested Personal Pensions), and more. We can also help consolidate multiple pensions into one plan for easier management and potentially better value.

It depends on your lifestyle, future plans, and expected expenses. We’ll work with you to calculate what’s realistic for your goals, taking into account pensions, savings, investments, and any other income sources.

The sooner, the better. Starting early gives your money more time to grow and helps you take advantage of tax-efficient saving options. That said, it’s never too late to make a difference — even if you’re nearing retirement, a solid plan can improve your financial position.