Pension advice

Our IFAs offer independent pension advice from our offices in Edinburgh and Yorkshire to clients across the UK.

Pensions are, thanks to the generous tax relief available, a wonderful way to save for retirement. With more than 25 years of pensions industry experience we will advise you on how much to save, how to invest your pension, and how to take an income from them in the most tax efficient way possible.

Please note that we only advise on money purchase (defined contribution) pensions valued at £200,000 or more. We also only offer advice where you wish us to manage your pension on an ongoing basis - we do not offer one-off advice.

We do not offer advice on defined benefit pensions.


You now have far more freedom to choose what to do with your pension fund. You no longer need to buy an annuity (a guaranteed income for life) at any time. Instead, you can choose to take an income from your fund as and when you need it. This is called “income drawdown”.

With this increased choice comes increased risk, however. Leaving your money invested during retirement, so that you can take an income when you wish, requires careful management to ensure your pension pot does not run out. In addition, taking too much of your pension out at once can expose you to punitively high rates of income tax.

We can provide pension advice on all of the varied ways that you can make the most of your pension fund:

  • Tax free lump sums
  • Lifetime annuities (standard and enhanced)
  • Fixed term annuities
  • Income drawdown
  • Phased retirement (combinations of the above)
  • Pension splitting in divorce

Getting professional independent pension advice is never more important than when you are making your retirement income choices.

Useful news items from the site:

The lifelong cost of early retirement

Cashing in part of a pension

How much do you need to save into a pension?

How pension contributions could attract up to 62% tax relief

Our concerns over new April 2017 freedoms to sell your lifetime annuity

​Find old and lost pensions

The pensions annual allowance

Independent financial advice on your pensions, Edinburgh, Fife, Yorkshire and across the UK

Chartered Financial Planners. FCA Regulated (FCA no. 603653)