Pension Advice Cheltenham
Expert Pension Advice in Cheltenham
I need help with my pension…
At Piercefield Oliver, we believe that planning for retirement should feel empowering, not overwhelming. Our role is to mentor you along the right financial path with clarity, focus, and ease, helping you make confident decisions about your pension and future retirement lifestyle.
Pension Advice Cheltenham
Expert Pension Advice in Cheltenham
I need help with my pension…
At Piercefield Oliver, we believe that planning for retirement should feel empowering, not overwhelming. Our role is to mentor you along the right financial path with clarity, focus, and ease, helping you make confident decisions about your pension and future retirement lifestyle.
How the process works
Whether you’re fast approaching retirement or simply wish to take control of your future, our expert pension advice in Cheltenham is tailored to your individual needs at every stage.
We start by reviewing your current pension arrangements to make sure everything is working in your favour. This includes:
- Organising your pension portfolio so it aligns with your retirement goals.
- Reviewing your investment performance in light of your personal preferences and future growth requirements.
- Checking current fund values and contributions against your annual allowance.
- Ensuring your arrangements are cost-effective and have the potential for long-term capital growth.
- Identifying any restrictions related to accessing benefits and/or death benefits.
We then work with you to create a detailed retirement plan that makes the most of your existing pension arrangements and helps you feel confident about the future.
Learn more about how we support long-term retirement planning.
We tailor your solution to your circumstances
We tailor your solution to your circumstances
Personal tax planning is something we consider in all of our recommendations. For example, this might include planning for inheritance tax mitigation, using pensions and investments where tax treatment is favourable or maximising the use of tax reliefs. This will vary depending on individual circumstances but will always be a consideration in any pension advice we may give you.
Did you know…
58%
of UK adults have low confidence in their pensions knowledge
~ The Phoenix Group
£31bil+
of lost pension pots are unclaimed in the UK
~ Pensions Policy Institute
£14,400
is the annual income needed for a basic retirement
~ Pension & Lifetime Savings Association (PLSA)
Did you know…
58%
of UK adults have low confidence in their pensions knowledge
~ The Phoenix Group
£31bil+
of lost pension pots are unclaimed in the UK
~ Pensions Policy Institute
£14,400
of UK adults have low confidence in their pensions knowledge
~ The Phoenix Group
Top pension planning tips
Pension planning isn’t just about setting aside a portion of your income each month – it’s about creating a strategic financial plan that ensures you can live comfortably in retirement. Here are our top tips:
- Start saving as early as you can
- Regularly review your pension
- Understand your allowances
- Diversify your investments
- Get expert financial advice from Piercefield Oliver
Read more pension planning tips.
Why choose Piercefield Oliver?
Many people in the UK aren’t confident about their pension choices, and we understand why. Pension rules change regularly, and the options can feel confusing.
That’s where we come in.
We offer independent pension advice with no hidden agenda. As a Cheltenham-based team, we know the area, the people, and the financial challenges you face. No two retirements are ever the same, so we offer a truly personalised approach to pensions in Cheltenham.
Your pension forms just one part of a much bigger picture, so we always factor in broader tax and financial planning from the outset. This might include:
- Inheritance tax mitigation
- Using tax-efficient investment strategies
- Making the most of available reliefs and allowances
Above all, our advice is shaped around your lifestyle and the future you want to achieve.
Book your free consultation with a local pension expert
Click the button below to book your free consultation with one of our independent financial advisers in Cheltenham.
Book your free consultation with a local pension expert
Click the button below to book your free consultation with one of our independent financial advisers in Cheltenham.
Prefer to get in touch directly?
If you would like to find out more about how we can help you with your pension planning, please get in touch with us using the enquiry form below giving us an indication of your current situation and requirements.
Fill in the form below and let us know a little bit about your current situation. We’ll get back to you ASAP to talk through your options.
Frequently Asked Questions
State, workplace, and personal pensions are the three main types of pensions available in the UK. The state pension comes from the UK government, workplace pensions are arranged through employers, and personal pensions are set up by yourself. We’ll help you understand how each one can support your retirement goals.
You should start paying into your pension as early as possible. The sooner you start, the more time your investments have to grow. Thanks to compounding interest, even small regular contributions can build significantly over time.
The amount you should pay into your pension depends on your financial situation and lifestyle. Get in touch and we’ll help you assess how much you should contribute to help fund your retirement years, taking into account your disposable income and any annual allowance restrictions that may apply.
Yes, you can have more than one pension. Over the course of your career, you may build up multiple pensions from different jobs. It’s important to track these over time and assess whether combining them is the right choice for you.
Your pension will stay invested even if you leave a job. You typically have three options to choose from: you can leave your pension where it is, transfer it to your new employer’s scheme, or move it into a personal pension scheme.
Combining your pensions into one pot can help you keep track of your savings, but whether or not this is the right option for you depends on your individual circumstances. It’s important to note that some older pensions come with guarantees or protections that you’d lose if you transfer. We can help you decide the best course of action.