Hanson Financial Services

Pension Advice in Liverpool

Pension planning and guidance in Merseyside and beyond.

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Pension Specialists in Liverpool

We serve clients here in Liverpool, Merseyside and across the wider region to make smarter choices with their pensions – ensuring you can live a sustainable, comfortable lifestyle in your retirement.

How much of a pension will you need to retire? Are you on track to achieve the retirement that you want? At Hanson Financial Services, our financial advice team helps you answer these core questions.

Planning for your future

Pension rules are complex and subject to change. With our professional financial advice and retirement planning, you can gain the best information to make decisions you feel confident in for years to come.

 

Whether you need help tracking down old pensions, moving to a new scheme or consolidating your various pension pots, our team provides the expertise and insights you need. We can also advise on defined benefit or final salary pensions

Pension planning is important for all sorts of people – from those starting out in a career to those already in retirement. Indeed, the sooner you start contributing to a pension the better, as you have more time for compound interest to grow your wealth over the years ahead.

How it works

You sit down with one of our pension advisors in Liverpool to discuss your goals for retirement and how you imagine your lifestyle will look.

 

We then go through your current position together – assessing the assets you have that can be used to generate an income in retirement, such as pensions, and investments. We will assess the suitability and performance of your current assets, and if we feel they can be improved we will discuss and suggest improvements with you.

 

After this analysis, we show how your current position relates to your goals We model how your assets can provide you with your desired income and spending needs in retirement, and the sustainability of this plan. Perhaps you need to save more to achieve the lifestyle you want. Or, maybe it can be achieved with some adjustments to your financial plan. In some cases, you may be able to achieve beyond your initial goals!

Once these facts are established, our team makes their recommendations and – based on your decision(s) – we start taking action to put your updated retirement plan in place.

Over the years ahead, we continue to monitor the plan and maintain a positive, trusting relationship together – making necessary adjustments to ensure everything stays on track.

Speak to a member of our team today…
Liverpool Office: 0151 708 7616
Manchester Office: 0161 401 0991
Chester Office: 01244 960 039

    Frequently Asked Questions

    Everyone wants to be comfortable in their retirement, which is why getting advice is so important. Knowing how to get the most out of your pension savings, state pension and other assets is crucial for meeting your needs in the best way possible.

    Everyone wants to be comfortable in their retirement, which is why getting advice is so important. Knowing how to get the most out of your pension savings, state pension and other assets is crucial for meeting your needs in the best way possible.

    All pension advice should be given by professionals, such as independent financial advisers and pensions specialists. The advice is regulated by the Financial Conduct Authority, so you’ll know that you’re getting the best advice possible for your circumstances. 

    Guidance gives you an overview of the options available to you but won’t tell you what the best options for your future are, and also provides limited protection.

    Taking advice means that any extra safeguarded benefits you may gain from your pensions are taken into account and that the decisions you make are in your best interests.

    Getting advice on the best way to combine or transfer your pension pot is important, and is a legal requirement if you have a defined benefit pension worth over £30,000. Our financial experts can help you find out what transferring or combining your pension pots could help secure your income in retirement.

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    It can be immensely reassuring to know that you have a plan in place to ensure a comfortable retirement in old age. Yet history shows how countries, economies and markets change over the span of a retirement (10, 20 or 30 years). It is crucial, therefore, to make sure your pension plan can be sustained throughout a wide range of positive and negative scenarios.

    Here, our financial advisers can assist using cashflow modelling and contingency planning. We “stress test” your retirement plan to make sure you continue to have enough income to thrive – even if the UK experiences difficult times in the future, as did with COVID-19. One way we do this is by encouraging a range of income streams in retirement, such as your state pension and your own pension pot(s) – which are appropriately diversified.

    Looking for clarification about the best course of action for your pension? Our financial advisers can help bring the answers you need so that you can move forward with no regrets.

    Speak to an Adviser