Pension advice starts with understanding you, not choosing a product. We’ll look at the pensions you already have alongside your wider finances, retirement goals and attitude to risk. Because we’re independent, we can consider options from across the market and recommend what’s appropriate for you. Whether retirement is years away, getting closer or already here, we’ll help you understand your options and make informed decisions about what comes next.
Pension Advice
Pension advice for a clearer path to retirement.
Your pension is a key part of planning the life you want after work. Our independent pension advice helps you understand what you have, explore the options available and make informed decisions about when to retire, how to take your pension and what comes next.
Independent pension advice that starts with you
Get more from your pension at every stage
Know exactly where you stand
Bring your pensions into focus and understand what you’ve built, where it’s invested and what your options are.
See when retirement could become reality
Explore whether you’re on track and what changes could help bring the retirement you want within reach.
Make your pension work in retirement
Understand how and when to take an income, with advice shaped around your lifestyle and longer-term plans.
Your pension journey with Reeves
Start with what matters to you
We’ll get to know you, your pensions and the retirement you have in mind, so we understand what you’re working towards.
Find the right way forward
We’ll explore your options together and explain our recommendations clearly, helping you feel comfortable with the decisions you make.
Plan for life as it changes
If you choose ongoing advice, we’ll stay alongside you, reviewing your plans as your life, priorities and retirement needs evolve.
Pension decisions we can help you navigate
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1
Bring your pensions together
If you have pensions in different places, we can assess whether combining them could make sense, including any benefits you could lose by transferring.
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2
Plan your retirement income
We’ll help you consider how your pensions and other assets could provide the income you need throughout retirement.
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3
Understand your pension transfer options
Transferring isn’t always the right choice. We’ll review your existing arrangements, including valuable guarantees or benefits, before making any recommendation.
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4
Plan for later life and your family
We’ll consider your pensions as part of your wider financial plan, including how your choices could affect the wealth you eventually pass on.
How Jim retired nine years earlier than planned
Jim expected to work until he was 65. He had no idea that retiring earlier might be possible, but he had spent decades building up his pensions and investments and wanted to understand what they could realistically provide.
FAQs
Questions people ask us
How much should I pay into my pension?
There isn’t one figure that works for everyone. How much you contribute will depend on your income, existing pensions, retirement goals and how long you have until you plan to retire. We can help you understand whether your current contributions could keep you on track and explore your options.
Should I combine my pensions?
Combining pensions can make your retirement savings easier to manage, but transferring isn’t always the right choice. Some pensions include valuable benefits or guarantees that could be lost. We’ll assess what you currently hold and explain the potential advantages and disadvantages before recommending whether consolidation is appropriate.
Do I need financial advice for my pension?
Not every pension decision requires financial advice, but it can be valuable when the choices become more complex. An adviser can help you understand your pensions, assess whether you’re on track for retirement and explain the implications of different options before you make a decision.
How much does pension advice cost?
At Reeves, pension and retirement advice usually follows the same fee structure shown above. The amount you pay will depend on your circumstances and the advice involved. We’ll confirm the exact charge with you in writing before you choose whether to proceed.
What is a private pension?
A private pension is a pension you arrange separately from the State Pension, such as a personal pension or self-invested personal pension. It can sit alongside workplace pensions and other savings to help fund your retirement. We can help you understand how your different pensions fit into your wider plans.
Are pensions safe?
Different pension types hold different levels of inherent risk. Pensions can also hold different types of investments, so the level of risk depends partly on how your money is invested. Investments can fall as well as rise, and you may get back less than you invest. We’ll help you understand the risks involved and whether your approach is appropriate for your circumstances and goals.
TOOLS
Tools to help you
think it through
Quick, free, and no details required. Each one gives you a rough picture you can bring to a conversation with an adviser.
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