Under current legislation, it is not possible to access your pension funds before you reach age 55. If you are approached by a company who claim to be able to offer access before that age then it is likely to be scam which could result in a tax charge of up to 55% of the value of your pension.

Yes, you certainly can and in some cases, this could save you money because older-style pension plans tend to have higher ongoing fees. It doesn’t matter what the retirement age is currently set to because it’s now possible to start to take your pension at any time after the age of 55.

Since the change in pension legislation in April 2015, it is possible to take a higher level of income from pensions than previously. We can put you in touch with a specialist adviser who will explain all of the options available to you.

If your pension isn’t actively managed then it is possible that you are missing out on investment growth. Similarly, if your pension is quite old, you may only have a limited range of investment options available to you. We can put you in touch with a specialist adviser who can assess your attitude to investment risk and help you to achieve a better level of growth.

Yes, with interest rates still being held at an all-time low it’s likely that your cash based investments are suffering. However we can help by putting you in touch with a specialist investment adviser who will explain the different sorts of investments available to you.

It’s possible that if you’ve been with your current lender for quite a while you’re on their Standard Variable Rate (SVR). SVR’s are typically quite high compared to the current Bank of England base rate of interest. We can put you in touch with a mortgage adviser who can research the market on your behalf to find you a better mortgage rate. You might be able to bring your monthly payment down or reduce the term of your mortgage.

All of the advisers that we work with offer an initial review absolutely free of charge. You will be able to discuss your requirements and they will be able to explain any fees and charges to you. You won’t ever have to pay any money up front and you’ll never receive an unexpected bill.

There are lots of ways that you can protect your family from financial difficulty if you couldn’t work, were made redundant or even if you died. From replacing your income each month to providing a lump sum payment to your family should the worst happen. We can put you in touch with an adviser who will talk to you to fully understand your concerns and to also find out your budget. They will then be able to arrange a suitable insurance policy that is tailor-made to your circumstances.

Don’t worry, we can put you in touch with an adviser who works with a range of specialist protection providers. They will be able to find the right product for you to give you the peace of mind that you need.

Whilst it’s generally possible to gain access to your investment at any time, there may well be a penalty for doing so. Whether you’ve got a future holiday in mind or want to help your kids with university tuition fees we can put you in touch with an investment adviser who will be able to recommend an investment strategy perfectly tailored to your individual circumstances.