Pensions & Retirement Planning

You’re Making The Right Choice…
By contacting us about your pension, you’ve taken the first steps to a brighter retirement. The last thing you need when getting to your retirement age, is to realise that your pension will not provide the income your require, this could be due to poor investments which has left you with not enough funds in your pension pot. Expert advice to clients, helps people take control of their pensions and secure a more comfortable retirement. We may be different from a normal pension advisers, as we are always working for you. Delivering jargon-free professional advice that’s affordable, at a time that suits you.
What’s Included…
Our Review Service typically Looks:
Gathering all relevant pension information. Arranging ‘getting to know you’ meeting with a Financial Adviser. Here we will make an Assessment of your needs and objectives. This allows us to produce an Initial Advice Report. Next step we will then arrange a meeting to discuss our Initial Advice Presentation with your qualified Financial Adviser. The presentation will include a Pension scheme and policy analysis. If happy to move to the next stage, an Advice and recommendation report will be produced. A Full Advice presentation meeting with a qualified Financial Adviser will discuss the findings and any recommendations. Finally with your agreement the Advice given, will be implemented.
The Defined Benefit Review Service...
Our Defined Benefit (DB) Review Service will assess the suitability of your Defined Benefit (also known as Final Salary) pension and whether it is in your best interests to potentially transfer it.
“Ashley always makes often complex changes around pensions simple – providing honest advice in layman’s terms. Leaving you safe in the knowledge that he’s found the right product, specific to your personal circumstances”
– Mr Cafferkey
Here’s how we work
Advice Fee – Payment Options
You’re able to choose how to pay our Full Advice Fee:
– Paid out of your pension pot. This option will only be available if a transfer proceeds and is made into a pension product that facilitates adviser charging. This is the most tax-efficient way for our fees to be paid.
– Cheque or bank transfer. This option is available if the advice is to retain the scheme in place, or to transfer and the payment must be made in full.
Our commitment to you
Working in an open and transparent manner and helps keep you informed on the progress of your assessment every step of the way.
Don’t handle anyone’s pension funds. Any transfers are carried out between pension providers. This gives you and your pension funds greater security.
An Independent, impartial advisory firm, we are not tied to any pension provider. Our independence allows us to work with the whole of the market to find the best performing and most suitable pension for you. We recommend pensions from the most reputable UK providers, therefore giving you added security and peace of mind.
Our guarantee
The pension advice we deliver will always be in your best financial interests.
Why should you use Thomas Whiting Ltd?
Giving you advice on your pensions can help with planning your retirement. We are a very open and transparent in business. All the information regarding your pension will be presented to you. This allows you to make informed decisions regarding your future.
How we are different
Firstly, the easiest way to contact is by telephone or email. The systems used are very much internet-based, this means that we keep our running costs low and pass those savings over to you.
Secondly it allows us to speak to you from the comfort of your own home, there is no need to book in an appointment. However we are not limited to this advice channel. Feel free to visit our offices to meet your Adviser.
Our specialist Advisers have over 100 years combined financial experience. They are fully qualified to deliver trusted advice on pensions.
Why should you get expert pension advice?
Pensions can be confusing, full of complex jargon, a range of investments and service fees that can impact on how your pension grows.
Our pension experts and use experience and knowledge, we will breakdown the complex barriers and explain your pension to you in plain English. This enables you to make informed decisions regarding your future.
Our mission is to help bring sound financial advice to people from all walks of life.
When will your retirement be?
The earliest you can usually take your pension is at 55 years old, but it’s up to you when and how you want to take it. You may take a tax-free lump sum and continue to work, leaving your pension where it is. You may however look for a more secure fund to protect the funds you’ve built up.
Retirement on the horizon
Retirement may be on the horizon, but if you have five years left to your target retirement age, do you know how much you will receive in retirement or even if your current pension will allow you to do the things you need?
It’s never too late to get your pension assessed to see how your pension is performing and whether it will allow you the access you require.
As you move closer to retirement, often if is advised that you look for pensions that are more secure and less susceptible to financial loss, as you will no longer have the years available to build up that pension again.
We will carry out a full attitude to financial risk assessment as part of our service, this helps to ensure your investments are aligned to your appetite for risk.
The Pension HealthCheck Service
A free Pension HealthCheck from our specialist Pension advice arm provides insight into past performance of your pension, compare the pension market, thereby allowing you to better plan for the future.
We are fully authorised and regulated by the Financial Conduct Authority, therefore any advice we give, has to be in your best financial interest.
A HealthCheck Includes:
Our Pension HealthCheck Service can advise on:
– Annuity
– Pension Consolidation
– Drawdown
– Retirement planning
– Performance
– Management Charges
Don’t Delay!
The earlier a Healthcheck is undertaken of your current pension(s), the sooner we can check you’re in the right pension for you. If not, we can implement any recommendations we make, which will help get you back on track.
Our recommendations may include moving your pension to a fund with lower ongoing charges, allowing your pension to grow at an accelerated rate.
It may also include re-balancing risk, lowering the likelihood of your pension being damaged by a higher risk investment. By putting a retirement plan in place it will help provide you with the peace of mind you will be in the best possible place when you reach retirement.