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FCA Advice Firm

We are fully regulated by the Financial Conduct Authority so all the advice we give has to be in your best interest. Each of our advisers has a least 20 years of experience in providing Financial Advice, so chances are, we’ve come across your situation before.

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Free, no obligation review

All of our pensions advisors are qualified, experienced and provide a free, no-obligation consultation guarantee. This means that your consultation is free of charge and there is absolutely no obligation to act on anything we discuss.

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Personalised Plan of Action

Once we understand your situation, we’ll discuss the best plan of action you need to take in order to meet your goals and objectives.

Whichever type of pension scheme you have, I’ll be able to advise you on your best options.

Many of us have a good idea of how we want our retirement to be. We have set goals, planned holidays and dreamed of not having to get up for work. That’s all perfect, but have you got enough money to achieve those goals and will your pension allow you to do them?

Some pension schemes have restrictions on how you access them in favour of guaranteeing a lifetime guaranteed income, which might suit you, but in a few cases, this may not be true.

Transferring a pension is a decision which could have big financial implications if done incorrectly. My commitment to you is to fully understand your existing schemes, situation, and your future plans. I will fully analyse your benefits with future projections, and only then will I make a recommendation to either transfer, or if more appropriate, stay within your existing scheme.

Three Steps to Pension Success

1

Complete our forms to help us understand your type of pension need.

2

One of our Pension Transfer Specialists will be in contact to discuss your objectives.

3

A recommended plan of action is provided to meet your pension goals.

Pension Transfer Specialist

As Pension Transfer Specialists with years of experience, we’ll give you the best chance of meeting your retirement objectives. We can also advise on other plans such as workplace pensions or personal pensions.

Speak to a Specialist NOW

What Our Clients Say

Professional on all levels
     I have recently transferred my works pension into a SIPP and utilised Phil's expertise to provide me with financial advice, independently of my own Financial Advisor. This advice included a telephone interview and culminated in the production of a detailed report into my current and forecasted future financial status. Throughout the process, I found Phil to be professional on all levels and would recommend his services to anyone going through the same process.
Paul R
Phil is very professional and explains everything in minor detail
     I retired early at the age of 55 last year, there was a lot of talk at work about the benefits and risks of leaving a final salary pension scheme. I needed to get some professional advice, and I was given Phil Handley’s details by a colleague at work. I met with Phil and discussed what I wanted to do with my pension. After researching the industry, he advised on a scheme that was similar to the one I had been looking at, only this scheme was better. He sent me a bespoke report, with his analysis, which showed the best scheme that would fit with my needs. I decided to transfer my company pension into a low risk investment drawdown scheme. Phil is very professional and explains everything in minor detail, there are no up-front fees and he is very thorough in making sure you are in full control of your decisions through his advice. It’s one of the best decisions of my life, I can now plan and manage my pension to suit my needs Phil is a genuine good guy and would definitively recommend him to anyone seeking similar advice on one of the most important decisions of your life. I am still able to call on him with any questions I might have about my scheme and he is happy to help. I have already recommended him to other colleagues at work and friends who are seeking similar advice
Dean E
Would recommend to anybody who is thinking of transferring
     Was very unsure about the process of transferring my pension. Went to see Phil and he explained the process which removed any doubts that I had. Would recommend to anybody who is thinking of transferring. Myself and 2 colleagues transferred at the same time and since then Phil has helped several more colleagues. The fees are reasonable too. No hesitation in recommending Phil.
Martin W
Professional on all levels
     I have recently transferred my works pension into a SIPP and utilised Phil's expertise to provide me with financial advice, independently of my own Financial Advisor. This advice included a telephone interview and culminated in the production of a detailed report into my current and forecasted future financial status. Throughout the process, I found Phil to be professional on all levels and would recommend his services to anyone going through the same process.
Paul R
Phil is very professional and explains everything in minor detail
     I retired early at the age of 55 last year, there was a lot of talk at work about the benefits and risks of leaving a final salary pension scheme. I needed to get some professional advice, and I was given Phil Handley’s details by a colleague at work. I met with Phil and discussed what I wanted to do with my pension. After researching the industry, he advised on a scheme that was similar to the one I had been looking at, only this scheme was better. He sent me a bespoke report, with his analysis, which showed the best scheme that would fit with my needs. I decided to transfer my company pension into a low risk investment drawdown scheme. Phil is very professional and explains everything in minor detail, there are no up-front fees and he is very thorough in making sure you are in full control of your decisions through his advice. It’s one of the best decisions of my life, I can now plan and manage my pension to suit my needs Phil is a genuine good guy and would definitively recommend him to anyone seeking similar advice on one of the most important decisions of your life. I am still able to call on him with any questions I might have about my scheme and he is happy to help. I have already recommended him to other colleagues at work and friends who are seeking similar advice
Dean E
Phil's over extensive conversations covered all avenues.
     I found myself looking at options to migrate my pension pot to Income Drawdown. During this process I had discovered the pitfalls of going it alone, some fund holders and trustees are not content to proceed without professional advise, even the government guidance schemes are not seen as acceptable. Phil Handley, through his patience and experience guided me through all possible avenues until we ended up with a plan that I was happy with and he was happy to recommend. Yes, I now have have a plan I am very comfortable with and one that I fully understand.
Paul B
Phil investigated all the options and ultimately presented me with clear, workable proposals for me to consider.
     Having been diagnosed with a terminal disease close to my 61st birthday. I wanted to see if I could retire now (5 years prior to my state pension age) so I could do all those things I had been delaying till my retirement whilst my health is still good. I would also add that I was one of those unfortunate women whose state pension date was moved on twice from 60 ultimately to 66. So the extra 6 years of work was not really part of my life plan. Phil patiently explained the terminology and the recent changes to the pension legislation. I outlined my 5 year plan to see if my private pensions could fund early retirement but with an acceptable level of income. Phil investigated all the options and ultimately presented me with clear, workable proposals for me to consider. I have just retired. Phil is handling the arrangements for the proposal I instructed him to proceed with. I have achieved, with sound financial advice from Phil, my aim of retiring early and to maintain my quality of lifestyle. I would add that at every step my family checked and vetted the advice given and been wholeheartedly in favour of Phils proposals. I would not hesitate to recommend Phil Handley to anyone seeking pension/retirement advice.
Kim E
The advice given was well researched and fine-tuned for my risk level
     I initially approached Phil for assistance in the Private Pensions selection process a couple of years ago and although the initial advice was good I didn't proceed. I then came back a year later and to speak with Phil again. The advice given was well researched and fine-tuned for my risk level, my security and peace of mind. I chose to wait until I felt the market was right, during which I was contacted by Phil for updates without feeling pressurised. Once ready I went with the agreed proposal and I feel that not only have I saved money due to this informed advice and explanation of how the markets work, but also due to the timing. I would certainly recommend Phil to friends.
Marie M

In order to transfer a pension with safeguarded benefits, regulation requires you take advice from a suitably qualified pensions adviser. This is to ensure that all your options are explained and considered before relinquishing these guarantees.

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Some of the most frequently asked questions?

  • What will the advice cost?

    The cost for advice is a maximum of £3,000, no matter how many pensions you wish to transfer or the transfer value of your scheme. That’s it. The cost covers the initial advice, report and recommendation. If the advice is to transfer we’ll also arrange this all for you.

  • Why do I need Financial Advice?

    It is a regulatory requirement for anyone with a pension transfer value of over £30,000, who has a pension with safeguarded benefits, to seek the help of a qualified pension transfer specialist. Pensions with safeguarded benefits include Defined Benefit/Final Salary Schemes, schemes with GMP and any other guarantees which provide a guaranteed income in retirement.

  • How does Financial Advice help me?

    Pension Transfer Specialists have years of experience in dealing with those at or approaching retirement. Transferring and managing, what is in the majority of cases, your biggest investment can sometimes be a daunting task. We provide pension fund management which uses some of the worlds largest and best fund managers in portfolios that mirror your approach to investment risk. There are no right or wrong answers with how much risk you want to take so we have a group of portfolios for every level of risk. You need to feel comfortable that your money is being managed by professionals in a way that suits your circumstances.

  • How long does it take?

    Transferring a Defined Benefit Pension is an important decision and one not to be rushed. We ensure we fully understand your situation and your objectives before making any recommendations. Typically we request further information from your scheme, which is 90% of the delay in transferring. Scheme administrators are particularly busy with request to transfer and usually have a 15-20 days turnaround to answer requests. This is why schemes offer a 3 month guaranteed transfer value, as it can often take this amount of time to gather all the required information to be able to make a suitable recommendation.