Pension Review & Retirement Planning in Chelsea

We work with clients in Chelsea, South Kensington, Fulham and Battersea who often have substantial pensions across multiple schemes and providers. A structured review can help ensure your pensions match your longer-term goals and risk appetite.

Why Arrange a Pension Review?

• Significant pension savings: Built up over a long career.
• Complex income: Salary, bonuses, profit share, dividends or overseas earnings.
• Retirement planning: You’re thinking about timing, structure and tax efficiency of future withdrawals.
• Estate planning: Pensions as part of your wider family wealth strategy.

What a Review May Consider

• Current pension values and projected future income.
• Investment allocation and risk level.
• Charges and fees in the context of overall performance.
• The role of consolidation vs diversification across providers.
• Retirement options, including flexi-access drawdown and annuities.

Our Role

We do not provide regulated pension or investment advice. Instead, we:

• Discuss your situation at a high level and your objectives.
• Introduce you to FCA-authorised pension advisers experienced with higher-value and more complex arrangements.
• Help you think about how pensions, mortgages and property fit together in your financial planning.

Typical Process

1. Initial conversation: Outline your pensions and goals.
2. Information gathering: Adviser obtains detailed information from each provider.
3. Analysis: Review risk, charges, projections and options.
4. Advice: Personalised recommendations, if appropriate.
5. Implementation & review: Put agreed changes in place and review regularly.

Risks & Warnings

• Pension investments can go down as well as up.
• Transferring or consolidating pensions can mean losing valuable guarantees.
• Any transfer out of a defined benefit scheme requires specialist regulated advice and may not be suitable.

Fees

The adviser will explain their fees clearly before providing regulated advice. We will also confirm how we are remunerated for any introduction, where applicable.

Useful Links

Remortgages · First-Time Buyers · Buy-to-Let · Contact Us

Pension Review FAQs — Chelsea

Can you co-ordinate with my existing wealth manager or accountant?

Yes, the adviser can usually liaise with your other professionals to ensure your pension strategy fits your wider planning.

Ready to Review Your Pensions?

If you live in Chelsea or the surrounding areas and want a structured review of your pensions, get in touch and we’ll help you move forward.