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Independent Pension Advice

Clearly understand your options

Whether you’ve a trail of pension paperwork or had the same one for 35 years, we’re expert independent advisers, here to help you decide what to do.

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We’re independent

This means we’re not tied to any pension provider, so can review and advise on all types of pensions.  So, if we advise you to switch providers you can be sure we’d only do so if it’s right for you.

We’ll also help make sure your private, company and state pensions are in good shape with clear simple explanations to help you make informed decisions.

Understand your options

The pension freedoms act 2015, means it’s now up to you how you access your pension pot. Before this, you’d buy an annuity to give a steady income for the rest of your life.

These new freedoms are great, but they can be confusing. Some pensions have more flexibility and some have added benefits you might not be aware of. We’re here to help you understand these sometimes-complicated rules and identify which option is best for you.

Find out about pension transfers

Whether to transfer your pension or not can be a daunting question, but with the additional permissions to advise on final salary and defined benefit pension schemes from the Financial Conduct Authority (FCA) we’re here to make it easy. This is something not all financial advisers can offer.

Don’t wait too long

This is really important, don't let fear put you off. Instead think of it like your work salary. Your pensions are a key part of your income in later life, after all, you’ve earned it. You might find you’re pleasantly surprised with the outcome and we promise to make it as pain-free and pleasant as possible.

It all starts with a chat

Let’s see if we can make your ideal future work the way you want it to. Pop in for a chat about your concerns and what you’re trying to achieve.

We’re conveniently located and able to help those in the following areas: Stockton on Tees, Darlington, Middlesbrough, Hartlepool, Durham, Newcastle and surrounding areas.

There’s no pressure, just give us a call to find out how we can help.

Get independent pension advice

We’ve Got the Pension Transfer Gold Standard

Set up by the Pension Advice Taskforce, we’ve been awarded the Gold Standard, which helps you recognise good practice, ethical and professional standards when looking for pension transfer advice.

As Gold Standard holders, we’re committed to helping you clearly understand whether transferring your Defined Benefit (Final Salary) pension is right for you.

Pension Transfer Gold Standard Logo

What’s even better, the Gold Standard is accredited by the Financial Conduct Authority (the UK financial advice regulator) and the Personal Finance Society (the body for the UK financial advisory profession).

For more on the Gold Standard, download the Pension Advice Taskforce guides:

Download the short guide

Download the long guide

Pension Calculator

This pensions calculator is a useful tool which can help you understand your future pension income.

Pension calculator

pensions calculator is a useful tool which can help you understand your future pension income.

FAQs Pension Advice

Minimum pension age is currently 55 years old and it’s not usual to be able to access your pension before this age, unless there’s a specific reason, such as a terminal illness.

As part of Plan Happy, we’ll help you find out what the rules are for each of the pension policies you hold and show you the best way to make the most of your pension pots.

This is very common. Many of us work for different employers and have set up private pensions in the past. This all means there’s often a collection of old pensions that we’ve not looked at or lost track of.

We’ll help you get a clear picture of what you have where and asses whether they’re in the right place for you.

There’s such a vast amount of pension types it’s important to understand what’s right for you and your goals.

 Don’t worry if you haven’t got all the paperwork, we can work it all out together.

Like everything, pensions have changed over time, as have the laws and legislations saying what we can and can't do with them.

The features and benefits of many modern pensions are sometimes more attractive than older schemes. Important considerations are:

  • Flexibility
  • Access options
  • Charging structure
  • Quality of service
  • Access to information

However, most important of all is whether it’ll allow you to reach your retirement goals. Together we’ll look at the features and benefits of what you have and whether it would be beneficial to move providers.


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