Your pension is one of your most valuable assets and deserves your attention and respect. Knowing how it works for you, both now and in the future, is critical to your long term financial stability. Choosing a pensions adviser who is an expert in retirement planning to help you understand your options and guide you through the myriad of complex decisions is therefore essential.
Here’s why you should consider working
with Reeves Independent:
Your advice will always be genuinely independent and free from influence
Reeves is an independent financial adviser which is authorised and regulated by the Financial Conduct Authority. There is nothing unique about that, there are hundreds of IFAs up and down the country.
But our commitment to independence goes well beyond our legal obligation to review the whole market for the best products only when you first engage us.
We continually look for the best product for you to ensure that you are always getting the best in terms of investment performance and management charges. It’s a commitment we make for your lifetime as a client.
If you’ve got a product, let’s say a managed fund with Standard Life, and we identify a new fund from Fidelity that will better service your needs, we’ll move you to the new fund without charging any fees. In a similar way, in later life, if it’s right for you to move your pension into drawdown, we’ll also do this for free. Some advisers will charge you up to 5% of your pension value for this work. Whatever’s best for you, we’ll be there to make it happen.
We’ve made a deliberate choice not to work as part of a network in order to avoid any pressure or influence to favour certain investment choices – even though we could still do so and remain “independent” from a regulatory point of view.
We can therefore genuinely say that our whole business is structured around you, acting solely in your interests and ensuring your money is always in the best investments.
You will get better quality advice because we are pension specialists
Many advisers are the equivalent of a GP when it comes to financial planning. Our business, in contrast, focuses on pensions and retirement matters for people who have already accumulated significant assets and we deal with pension matters all day, every day.
If you drive a modern, German car you wouldn’t for a moment consider getting it serviced at a small, local garage with no expertise in its specification and systems. It’s obvious that a main dealership which works with the brand every day is better placed to look after this expensive asset for you. Your pension is worth much, much more than a car and needs similar expertise if it is to be looked after appropriately.
You are guaranteed to receive a tailored solution designed to fit your unique circumstances
We provide advice that is tailored to your personal circumstances, not a “one size fits all” robotic solution that treats you as a number. Our aim is to provide you with the right advice, in the right way and at the right time.
Many advisers provide “template” solutions that don’t fully consider your needs and requirements. They use the same approach for groups of similar people, adapted slightly to improve fit for each client.
However, in over 20 years of business we have never found two clients to be alike. Everyone has different family circumstances, business/work contexts and existing asset portfolios. They also want something different from retirement and for their children as an inheritance.
Our solution for you, in contrast, is therefore created from a clean sheet of paper. For example, when building a retirement income, we consider all your assets for income generation – not just your pension. It may be better for you to leave your pension untouched in order to avoid inheritance tax. For others though, their pension should be their primary source of income.
We have a team of industry experts who are dedicated to servicing your business
Many financial advisers are “one man bands”, small sole traders who cannot deal with complex retirement issues and the technical challenges that they throw up. Constantly focused on the next sale, there is little time available for servicing existing clients’ business needs.
By partnering with Reeves, however, you’ll benefit from the expertise and support of a substantial and highly-skilled team of professionals who are focussed on making your retirement goals a reality.
Our Market Analyst is constantly researching the market for clients like you, looking for market opportunities and better performing products that better suit your investment objectives. Our Paraplanners are also at work on a daily basis keeping abreast of changes to pension rules and checking whether any market movements mean a change to your pension should be considered. And our Relationship Manger and administrators are of course at hand to deal with any enquiries you might have. If you ever want to chat about your investments just pick up the phone or send an email. We see ourselves as real partners and are always happy to talk.
We don’t tie you into rigid contracts with exit penalties – if you want to leave you can do so at any time. Our clients choose stay with us because we continue to generate wealth for them. They value our long-term relationship.
You will be working with a team who understands your life
If you've built up more than £100,000 of investable assets and are nearing retirement, you’ll be in good company with Reeves.
Our business is directed to servicing clients just like you. We understand and have experience of the issues you face and have helped other clients before you through those same decisions.
Clients typically ask us for advice on:
- The best thing to do with their existing pension.
- How best to use their pensions in retirement.
- How to make sure they don't run out of money in retirement.
- What they can do to reduce the amount of tax they pay.
- How to make sure their family doesn't miss out if they die.
- How much more should they (or can they) pay into their pension.
You may have other questions; these are just the most common that we see.
You’re getting a partner that will be around in the long-term
Reeves has been trading for more than 20 years. It is profitable and growing.
Whilst Nigel Reeves our Principle Adviser is still at the helm of the business, the firm has a solid team that provides the foundation upon which we serve our clients. Your partnership with us will be one that can therefore last a long time.
What our customers say:
Nigel has a straightforward no-nonsense approach to financial advice, this is backed up with many years of expertise in the field. I’d recommend Reeves independent without hesitation.
I have been using the Reeves Independent portfolio management service for 3 years. I have always found the team to act quickly and professionally and respond with informative answers promptly. Additionally I recently had support in setting up a pension plan which for me was a very complicated and confusing area but was dealt with very effectively.
Nigel is a good communicator and, better still, a good listener; he takes on board your needs and adapts his advice accordingly with ease. He does not patronise you with technical jargon and goes straight to the point. I am happy to recommend Reeves Independent particularly in the subject of pension schemes.