Pensions
Your pension is more than a retirement fund; it's the foundation of the life you want to live when work becomes optional. We help you make informed decisions about your pension, ensuring it's working as hard as you did to build it.
What are Pensions?
Your pension is likely to be your largest asset after your home, yet it's often the most overlooked part of your financial planning. Whether you have workplace pensions from multiple employers, personal pensions, or are considering pension transfers, these retirement savings vehicles offer powerful tax advantages and compound growth potential that can transform your financial future.
Why Pensions Matter
In today's world of increased life expectancy and uncertain state pension provision, your private pension arrangements are critical to maintaining your lifestyle in retirement. The earlier you optimise your pension strategy, the more time your money has to grow. In addition, pensions also provide significant tax relief opportunities that shouldn't be missed.
Modern pension freedoms also mean you have more control than ever over how and when you access your retirement funds, but with this flexibility comes complexity and the need for expert guidance.
How We Help
For early in your Pension journey: We help you maximise contributions across multiple pension pots, consolidate where beneficial, and ensure your pension strategy aligns with your wealth-building journey. Our interactive pension projectors show you exactly where you're heading.
For established pensions, we provide sophisticated pension planning, including detailed benefit transfer analysis, inheritance tax planning through pensions, and flexible retirement income strategies that protect your lifestyle while preserving wealth for future generations.
Ready to optimise your pension strategy? Book your free consultation today.
“You will always be our number one priority. To sum up our philosophy in one phrase: When we give you financial advice, our approach is the same as we would apply to our own money.”
Our Pension Services Include
Pension Consolidation
Simplify your retirement planning by combining multiple pension pots into one efficient and cost-effective arrangement, while maintaining all your valuable benefits.
SSAS (Small Self-Administered Scheme) Pensions
Sophisticated pension arrangements for business owners and directors, allowing investment in commercial property, loans to the sponsoring company, and greater control over pension assets with potential tax advantages.
Pension Transfers
Expert analysis of whether transferring your pension makes financial sense, including comprehensive cashflow modelling and risk assessment.
Pension Income Planning
Strategic withdrawal planning to maximise your retirement income whilst minimising tax and preserving capital for your beneficiaries.
SIPP (Self-Invested Personal Pension) Management
Take control of your pension investments with a wider range of options, including commercial property, individual shares, and alternative investments.
Annual Allowance & Lifetime Allowance Planning
Navigate complex pension tax rules to maximise contributions and avoid unnecessary tax charges, particularly important for high earners.
Why choose Acorn Wealth Management?
Our wealth planners work with you to build a clear strategy for your financial future, giving you confidence in how to grow, protect, and enjoy your wealth throughout life’s stages. From investment management and tax-efficient structuring to estate planning and cashflow forecasting, we cover every aspect of your financial world.
Frequently Asked Questions
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Yes this may or may not be appropriate depending on what benefits are provided by your pensions. Part of our work is to analyse what type of pension policy you have and advise you on the best course of action for you to take. Everyone is different so this is where advice is so important.
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It all depends on how much you wlll need in the future either in the form of lump sums or income. Using our Cash Flow software and after discussion with you, we can advise on what sort of savings level you should consider to give you the lifestyle you require in the future.
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Not at all. Whatever your stage in life, it is always worth a discussion to see if you can do anything differently to improve your chances of a comfortable retirement.
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It is never too soon to start thinking about your financial future. Even if you can only save a little to start off with, it is important to plan for your financial future as soon as you can.
Ready to Take the Next Step?
Every financial journey is unique. Whether you're building wealth or protecting what you've already achieved, our experienced team can help you navigate the complexities and opportunities ahead. Book your free, no-obligation consultation and speak directly with one of our experienced advisers.