Planning for your retirement is one of the most important financial decisions you’ll ever make — and the earlier you start, the better.
At PJ Collier Financial Services Limited, we offer more than just pension advice — we provide a trusted relationship built on transparency, expertise, and long-term support. Whether you’re just getting started, reviewing old pension pots, or approaching retirement, we’ll give you advice that’s not only practical, but personal.
We can help you with:
- Personal pensions and stakeholder schemes
- Workplace pensions, including auto-enrolment schemes
- Understanding your State Pension entitlement
- Exploring your retirement income options, such as annuities and flexi-access drawdown
- Navigating tax implications and adapting your plan to changing legislation
Please note, we do not advise on defined benefit (final salary) pension transfers, but we can refer you to a trusted specialist partner if this applies to your circumstances.
As pensions become more flexible — but also more complex — having a trusted adviser by your side can give you confidence in every decision.
Important to know: From 6 April 2027, unused pension funds may be counted as part of your estate for Inheritance Tax (IHT) purposes. Planning early can help manage this.
Pensions are a long-term investment. The value of your fund can go down as well as up, and you may get back less than you paid in. Tax treatment depends on individual circumstances and may change in future.