Pensions Advice

Pensions AdvicePension Advice has never been more important or needed than now. Over the past 30 to40 years the various governments have changed the pension rules so often that confusion concerning pension rules is rife.

Our pension advisers will help you make sense of any pension provisions you currently have, and how you should progress through to retirement.

Tax relief is available to most pension contributions. Yes Her Majesty’s Revenue and Customs (HMRC) will divert back allowable income tax that you have paid or are about to pay, and put some into your pension pot. In addition, your pension pot’s ongoing growth is enhanced by tax reliefs.

With the state pension now commencing at later ages, it is more urgent than ever that you take control of your retirement planning.

Talk to one of our pension advisers now.

Retirement Plans

Retirement Plans are forever changing. Assuming you have been working for a while, it is probable that you have accumulated several.

All may be subject to different rules. By taking Pension Advice, you can at least understand where you are up to now. Some of your old pensions may contain valuable benefits not available if you transfer your pension. Be careful.

Listed below are some of the pensions you may recognise. Please leave your contact details if you require pension advice on any of these pension plans.

  • Work Place Pensions – also often called Auto Enrolment, we offer workplace pension advice on schemes up to 250 employees.

  • Personal Pension Plans – this is a generic name for pension plans that exist in your own name. Introduced in the mid 1980’s, most of us have a Personal Pension Plan.

  • Self-Invested Pension Plans (SIPP’s) – these pension plans offer a little more freedom and control than a traditional pension.

  • Directors Pensions – Company Directors have some flexibility in the way that they are paid. This also applies to their pension planning which can reflect their particular personal needs.

  • Contractor Pensions – the burgeoning GIG economy has created millions of contractors who sell their services for several weeks, months or even years at a time to companies that temporarily need their skills. Contractor retirement plans need to fit the individual contractor and their work arrangements.

  • Self-employed Pensions – private pensions for the self-employed have been available for many years. Pension planning for the self-employed is essential as there are limitations to their state benefits.

  • Small Self Administered Schemes (SSAS) – these schemes can be created to reflect the particular needs of those running small companies.

Pension Transfer Gold Standard – what does this mean for consumers?


The Pension Transfer Gold Standard mark has been accredited to Financial Advisory firms by the Chartered Insurance Institute who have signed up to a set of principles to raise the standard of professionalism within the pension field.

This accreditation is to help consumers recognise good practice, ethical and professional standards when seeking advice on pension transfers. To find out more about the Gold Standard and what you should expect from your Independent Financial Adviser, click to download the Chartered Insurance Institute Consumer Guide.

At Retirement Advice

If you have reached or are approaching the age at which you would like to start taking a retirement income, we can help, click here to find out more.

Let us contact you

What our clients are saying about us

Excellent service from Jon Neale and True Bearing Chartered, people who really do know what they are doing . He explained everything about my pensions clearly and precisely and has put them into a fund where I am secure in the knowledge that I will have an income from them for my retirement. Perfect five star service from a company I would happily recommend to anyone

Darran Wrigley, Manchester

I have known Greg for several years, as he used to be my mother’s adviser. He found me a better deal on my mortgage where I have reduced my monthly outgoings.  He was also able to find a more suitable and less costly life and critical illness insurance policy.  The information that he has provided has always been very helpful and I would recommend him to anyone.

Christine Champan, Cumbria

Because Les provides comprehensive and sound financial advice to me personally and to my family, I have no hesitation in recommending him when our clients ask us about pensions or investments.  Les’s friendly and approachable manner displays a wide knowledge of financial solutions, and he always explains in detail the options given, so that an educated decision can be made.

Josie Smith, Accounts Matters Ltd – Lancaster

We have dealt with David Oversby for the majority of our financial affairs for the last 10 years. We have found him to be professional and attentive at all times offering astute and accurate advice.

Jo Blakeway, Radio Presenter, Century FM

We have used Rob for advice in a number of differen areas, especially in relation to our pension planning and insurance policies, and he has always provided us with a clear solution. We have happily recommended him to many of our friends and family and will continue to do so. He is a pleasure to deal with.

G McDonald, Senior Project Manager, EC Harris – Leeds

For the first time, I can now look to a planned retirement in the safe knowledge that Julie has my needs in mind and can advise me instantly on how to deal with any unplanned occurrences. I have in turn recommended Julie to my family, friends and work colleagues as she shows honesty, reliability and a great determination to get the best for her clients.

Tony Carden, Commercial Manager – Liverpool

Mark produced a report addressing my concerns about Inheritance Tax. He recommended the use of an offshore investment and a protection plan which would have an immediate benefit to my financial planning.As a result of his advice, I estimate that my estate will save over £250,000 in Inheritance Tax, although Mark contacts me regularly to ensure that my planning is effective. I would recommend Mark and True Bearing to anyone wishing to protect their assets and pass on wealth to their families.

Mrs H, JP – Lytham

Michael has been my IFA for some years, managing my SIPP and providing ongoing general investment advice.  Having used other companies previously, he came as a breath of fresh air.  His client care and attention to detail is absolutely superb, and following his advice at our regular reviews during each year has stood me in good stead as regards the performance of my SIPP, which has consistently been most satisfactory, despite the difficult financial times over the last couple or so years.

John Wane Esq, McKendrick and Wane Ltd – Preston

Our Independent Financial Advisers

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