Pensions & Retirement Planning FAQs

# I have several pension pots from different jobs — can you help?
Absolutely. Many people in the UK have multiple pensions from different employers. I help you track them down, review charges and performance, and decide whether consolidating your pensions is the right option.

# How do I know if my pensions are performing well?
Pension performance depends on your goals, your retirement timeline, and the charges you’re paying. I’ll benchmark your pensions and show you whether they’re on track to provide the retirement income you want.

# Can you tell me how much I’ll need in retirement?
Yes — we can use cashflow modelling to project your retirement income. As a guide, the PLSA Retirement Living Standards suggest £13,400 a year as a minimum, £31,700 as moderate, and £43,900 as comfortable (for a single person outside London, including State Pension). We’ll tailor this to your personal goals.

# What’s the difference between Defined Benefit and Defined Contribution pensions?
Defined Benefit pensions provide a guaranteed income for life. Defined Contribution pensions build up a pot you’ll draw from. Both play a key role in retirement planning — I’ll explain how they fit into your bigger financial picture.

Protection & Family Security FAQs

# Why do I need life insurance if I already have cover at work?
Workplace life cover is usually limited and ends when you change jobs. A personal life insurance policy ensures your family is protected with the right level of cover, regardless of your employment.

# What’s income protection and why is it important?
Income protection provides a regular income if you can’t work due to illness or injury. It’s especially important for families who rely on your income or if you’re self-employed.

# What happens to my protection policies if my circumstances change?
Your financial protection should evolve as your life changes. If you move house, have children, or your income changes, I’ll review your policies to ensure they still meet your needs.

Business Owner FAQs

# How can a financial adviser help me as a business owner?
From director pensions to Relevant Life cover and tax-efficient planning, I make sure your personal and business finances work together to support your future.

# What’s the benefit of a Relevant Life Policy?
A Relevant Life Policy is a tax-efficient way for directors to provide life cover. Premiums are usually treated as a business expense, saving tax compared to a personal policy.

# Can I use my business to fund my pension?
Yes. As a director, your company can make employer pension contributions directly into your pension, which can be a highly tax-efficient way to save for retirement.

Estate & Legacy Planning FAQs

# Why is estate planning important?
Without estate planning, your assets may be taxed unnecessarily or not reach the people you intend. Estate planning ensures your wealth is passed on effectively and tax-efficiently.

# Can you help me set up a trust?
Yes — trusts can protect your assets, reduce inheritance tax, and ensure your money is used the way you want. I’ll explain your options in straightforward terms.

# Is my pension included in my will?
No — pensions usually sit outside your estate. You’ll need to complete an Expression of Wish form with your pension provider to decide who benefits. 2027 will see new rules on this.

Working With Me FAQs

# Do you charge for the first meeting?
No. The initial discovery call is free. It’s a chance to get to know each other and decide whether I’m the right financial adviser for you.

# How do you charge for advice?
My fees are transparent and explained upfront. You’ll always know the cost before choosing to go ahead with any financial advice.

# Do you only work with clients in Cheshire?
No. While I have many clients in Cheshire and Staffordshire, I also work with professionals and business owners across the UK through secure video meetings.