Step 1

We give every employee an in-depth pension planning consultation, lasting around 90 minutes, where we explain how different pensions work (including the impact of inflation on true spending power) and the risks and benefits of different investment strategies, all in plain, jargon-free English.

We then research all existing pensions thoroughly and write to current pension providers to confirm current values, charges and fund holdings.

Step 2

Our findings are reported in a follow up meeting, where we give the employee a true picture of their personal situation with projected incomes and clear steps on the action they need to take to facilitate a smooth route to the retirement they want.

For younger employees, this might mean recommending a higher risk profile with better potential for a higher return over the long-term. For those closer to retirement, it is likely to involve consolidating various pension pots and minimising risk.

Step 3

With all decisions confirmed in writing, the employee is then given access to online updates on their pension plan.

The same one-to-one detailed consultation is repeated each year to check on how the pension fund is performing and whether it still meets often evolving personal circumstances.