Maximise your returns with a level of risk you’re entirely comfortable with and make better informed pension decisions that are right for you.Guide to Retirement Planning
Retirement Planning you can trust.
The new pension freedoms have given pension fund owners far greater flexibility and access than ever before. With these new retirement benefit freedoms comes responsibility to ensure that your largest asset in used wisely.
Pension funds can now be converted to cash at retirement in full or in part, fund a flexible level of ongoing income or be passed down to your spouse, children, grandchildren or friends as a legacy asset – choices unheard of previously. And, with these new choices comes the need for professional advice to guide you through the range of options available.
After planning for security and comfort in your retirement, and having spent years building up your nest egg, it’s important to get the most from your pension fund.
A feeling of control
Chris never pushes you in any particular direction. You end up making the decisions yourself, but doing it based on real numbers for each option.
Our financial advisers have a wealth of experience helping clients with their pensions fund choices. We believe it’s important that you have confidence in your retirement income choices and the peace-of-mind to enjoy your whole life to the full.
Chris DaviesChartered Financial Adviser
Phil JohnsonIndependent Financial Adviser
Kevin JonesIndependent Financial Adviser
Kate WhiteParaplanner Manager
Please read the many testimonial endorsements our clients have provided on this website to see what they say about our advice and on-going service.
I was first introduced to Estate Capital in July 2017 by my accountant. I was approaching retirement age and had a number of ‘odd pensions’ which I wanted to consolidate with my main pension. I wanted to maximise my tax-free benefit and invest the balance into a plan which was accessible whilst continuing to grow. Chris spent time reviewing my financial position and assets and my future plans for my family. We met a month or so later with a list of options available to me, we examined the pros and cons of each before deciding which plan to take on.
When I decided that it was time to take early retirement, I knew what I wanted from my pension fund and where it had to take me in the future. I needed to take advise on how to achieve this under the new pension regulations and was fortunate to be directed to Estate Capital. Phil helped me enormously by giving clear and professional advice on what was best for me and how to achieve what I wanted from my pension in the years to come. That was three years ago and over that time I have been impressed with the commitment and professionalism Phil and the team have given.
I have been very impressed by the professional and impartial advice provided to me by Estate Capital. The company has been very supportive in helping me to understand the complex world of pension investment options, and recognises the risks and security aspects of my individual needs. I feel very comfortable in the knowledge that the service I am receiving is both reliable and very fit for purpose.
My wife’s pension pot was badly damaged by the equitable debate in the 1990s. She was in urgent need of a financial adviser she could trust. Fortunately, Chris of Estate Capital was recommended. Since then Chris has advised on her pensions as well as my and her savings. He reports to us regularly on asset management, retirement planning, risk management and inheritance tax planning. He has also given good advice on the payment of care home fees for my mother. Dealing with Estate Capital is very easy and his back up staff are excellent. If you are concerned about your financial health – give Chris a ring.
Tony and Paula
Estate Capital carried out my final salary pension transfer. There was a clear fee structure which was very competitive, and I was happy with the communications. When I attend the Estate Capital office in Uplands the team are always very polite and welcoming. The advice given to me has been fair, well explained with good supporting reasons. I would recommend estate capital to family and friends.
I engaged the services of Estate Capital to manage my pension fund. Chris consolidated the fund into an easily accessible platform, advising me to retain the one pension which gave an enhanced return. I am now clear on my financial situation, and can plan for my retirement. I am kept well informed about the state of the markets, and the action Estate Capital are taking to manage the risks. I am very happy with the service they provide.