What Should I Do With My Pension?

Everything you send is confidential.

Not sure whether you're financially ready?

You've probably read articles.

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Searched online.

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Spoken to friends or family.

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Perhaps you've even spoken to another adviser.

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But you're still wondering...

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What should I actually do with my pension?

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That's exactly why I created this page.

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Before you make a decision, let's think it through together.

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No obligation.

No sales pitch.

Just a thoughtful reply.

Why people struggle with this decision

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Most people think this is simply a pension question.

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It isn't.

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It's a decision with lots of moving parts.

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Should you leave your pension where it is?

Consolidate it?

Take tax-free cash?

Choose drawdown?

Buy an annuity?

Or do something else entirely?

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Every option involves trade-offs.

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The right answer depends on your circumstances, your goals and what you're trying to achieve.

That's why I start with a conversation.

Not with assumptions.

Not with products.

Not with jargon.

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Before we discuss pensions, investments or recommendations, I want to understand what's important to you.

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What are you trying to achieve with your pension?

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Only then does it make sense to explore which option is right for you.

A little about me

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For over 33 years I've helped people make important financial decisions with greater confidence.

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I'm an independent Chartered Financial Planner and Chartered Wealth Manager, helping people make clear, confident financial decisions.

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The purpose of our first conversation isn't to sell you anything.

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It's to help you decide what's right for you.

Still not sure?​

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You don't need to know the answer before getting in touch.

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Whether you're deciding between drawdown, an annuity, consolidation or simply trying to understand your options, we can start with a conversation.

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Tell me what's on your mind.

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I'll reply personally.