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Independent personal pension planning
For a brighter now and then

Independent personal pension planning

Pension Specialists

Your pension is important...

It can provide an essential money-source for your dream retirement and enables you to live the lifestyle you have worked hard to obtain. Pensions have also changed significantly over the last 20 years.

You may have had several jobs or had a period of self-employment which will have affected the type and complexity of your pension.

Here at The Private Office, our pension planning specialists can help you clearly understand your options and give pension advice that is suited to your circumstances and individual needs.

Please note: the value of investments and the income derived from them can fall as well as rise. You may not get back what you invest. 

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Bias free and independent advice for every type of pension

Here at The Private Office we have a team of specialists that can advise on a wide range of pensions. 

We have used our expertise in pension planning to provide you with information about the pensions that matter to our clients, as well as the ones that may not be as recognised.

SIPPs - Self Invested Pension Plans
SIPPs - Self Invested Pension Plans

Learn more about SIPPs and understand if they are the correct option for your circumstances

 Which type of pension is right for you?
Which type of pension is right for you?

Understand more about the types of pensions and determine what would work for you.

 Defined Benefit Pensions
Defined Benefit Pensions

Demystify your understanding of defined benefit pensions. What are they? What do you need to know?

Maximising pension tax relief

No-one likes to pay unnecessary tax. Our pension advice specialists help clients and their families optimise their tax arrangements.

Please Note: The Financial Conduct Authority does not regulate tax advice

£60000

standard Annual Allowance

*a lower/upper limit may apply

£286275

Lump Sum Allowance

*a lower/upper limit may apply

£1073100

Lump Sum and Death Benefit Allowance

*a lower/upper limit may apply

60%

is your effective income tax rate

*on income between £100,000 - £125,140

Retirement

Nearing retirement

Once you have decided on retiring, you’ll need to decide on the best way to take your pension.

There have been a number of changes to the way you can extract money from your pension plans in recent years. Below are a few of the options our retirement planning specialists can help with.

Specialist pension services

Our retirement planning specialists offer a number of services, bespoke to your needs. These areas can be complex and often need special care and attention. Read more about these or call us on 0333 325 9065 for more information.

  1. Pensions, divorce and pension sharing orders
  2. State pensions
  3. Pension arrangements following death

 

Our awards

Leading expert advice

  • PFS award logo Chartered Financial Planning Firm of the year 2022/21

    Chartered Financial Planning Firm of the Year 2022/23

    The Personal Finance Awards celebrate high standards and exceptional consumer outcomes within the financial planning profession. ‘Chartered Financial Planning Firm of the Year’ is the only award given at a company level by the PFS.

  • FT Adviser logo

    The Financial Times Top 100 Financial Advisers, 2018-2023

    The awards identify firms based on a range of different areas, the best investment advice firms assisting clients in the market, and those who demonstrate that savers can be certain their money is being managed by the best people.

  • VouchedFor logo

    Top Rated Firm 2020-2024

    star rating

    Rated 4.8 stars of 5 at Vouchedfor

    3,603 reviews for 51 advisers

Meet our expert team

View all our experts

People Block

Merve Oral

Financial Adviser - Chartered Financial Planner, FPFS

Rated 4.8 out of 5

Top Rated Adviser 2022

Merve is a Chartered Financial Planner and a Fellow of the Personal Finance Society. She creates bespoke financial plans in partnership with her clients to help them secure their financial future and enjoy their desired lifestyle with peace of mind. 

Sarah Beall

Financial Adviser - Chartered Financial Planner, FPFS

Rated 4.9 out of 5

A Fellow of the Personal Finance Society, Sarah has worked in financial services since 2011 and works in partnership with her clients to ensure they understand what they are capable of achieving and how they can get there. In particular, she provides clarity around complex strategies to put her clients at ease.

Daniel Schofield

Partner - DipPFS

Rated 4.7 out of 5

Top Rated Adviser 2022

Daniel provides advice focused on the disciplines of personal and corporate financial planning, investment portfolio management, Inheritance Tax (IHT) planning and mitigation, and legacy and succession planning.

Arrange a free initial consultation 

We are committed to helping all of our clients create, sustain, protect and grow wealth.

Reach out to our team of financial advisers near you to learn more about how we can help you preserve your future wealth.

Our relationship step-by-step

  1. Discovery

    A short phone call with some simple questions to ensure we’re a good fit. Initial meeting, without charge or obligation, with a qualified financial advisor to get to know you and your financial position.

  2. How can we help

    Formulation and agreement of your bespoke service and fees.

  3. Solutions and advice

    Detailed financial plan based on market research and financial modelling.

  4. Implementation and ongoing review and service

    Plan execution, ongoing portfolio review, valuations and service assessment.

Provide your details below and we will contact you

Contact us today to see how we can help you manage your wealth.

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0333 323 9065