Retirement planning
made easy for you

Retirement is one of life’s greatest milestones.
Understanding how to make the most of your money is no easy task.

Looking to the future

You invest so much hard work over a lifetime to build the foundations for the best possible retirement. Having a carefully thought-out plan for when you do retire is just as important as building your retirement funds in the first place.

Our aim has always been to bring the highest quality of advice, to people from all walks of life.

The quality of our carefully assessed and implemented advice empowers people with faith and confidence in the future that lies ahead.

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5 Star Trustpilot Service

Trusted by over 1,400 IFAs

Fixed & transparent costs

Pension Gold Standard

Professional advice for
every step of the way

Preparing for retirement involves three key stages: growth, consolidation, and income. No matter where you are in your journey, we can give expert independent financial advice to ensure that you are always prepared for the future.

Growth

  • Maximise the long term potential of your funds
  • Minimise charges and hidden fees

Consolidation

  • Find a product that suits your retirement
  • Transfer your pensions into one place for easy management

Income

  • Understand your tax-free cash options
  • Manage your drawdown income

Delivering affordable advice
A cost effective way to get expert planning for your future.

Mitigate
risks
Such as inflation, investment volatility, and running out of money.

Sustainable
income
We ensure that your pension is in the right place for your retirement.

Whole of
market
We can deliver the most suitable solutions for your requirements.

Things to Consider

  • How to prepare your pension to align with your desired lifestyle.
  • Where to allocate your pension funds strategically to achieve your objectives.
  • Suitable methods of accessing your pension based on your unique circumstances.
  • Determining the amount of funds required for your retirement and exploring ways to fund it.
  • Ensuring your retirement plans align with the needs of your spouse or dependents, if applicable.

Your retirement planning journey

1

Getting to know you

We find out what’s important to you, your financial circumstances and your long term goals.

2

Build Your Plan

Our advisers analyse the best options and provide you with a comprehensive roadmap for retirement.

3

Keeping you on track

Manage your investments and make informed decisions about your future for peace of mind.

Retirement planning specialists

At Pension Works, it’s our job to make sure your pension is working hard and helping to deliver the comfortable retirement you deserve.

We believe in delivering expert pension advice to everyone, helping people across the UK take control of their pensions to secure a comfortable retirement. We believe in accommodating the needs and flexibility of all our clients, which is why our advice is delivered to you remotely.

Pension Works are completely independent, meaning that we work with the most trusted and well known pension providers in the UK. We are always working for you in a transparent manner to deliver jargon-free, professional advice that is affordable and at a time that suits you.

Frequently Asked Questions

We pride ourselves in being transparent about our affordable and competitive fees, outlined in the table below.

Financial Planning Fee £1,495 + VAT (£1,794)

Our financial planning fee of £1,495 + VAT supports the time and expertise required to create a personalised financial plan tailored to your unique circumstances and goals, including the presentation of cashflows forecasting your future retirement.
Implementation Fee 1% of Fund Value
Maximum Implementation Fee £9,950

We charge a 1% fee to cover our costs implementing any recommendations based on our advice.

Pensions can be a complex area of financial planning which is often confusing, that is why it is vital to talk to someone who can explain your pension to you in plain English, enabling you to make informed decisions regarding your future. We are open and transparent, meaning the advice we give will always be in your best financial interest, even if this means we advise you to retain your current scheme.

Our Retirement Planning advice service takes around six weeks from initial engagement to advice call. Pension transfers can take longer depending on the providers involved, but we will keep you informed every step of the way.