About Our Pension Advisory Team

Why We Started This

After spending years in traditional financial advisory, we kept seeing the same pattern: people in their late 50s realizing they were nowhere near where they thought they'd be.

They'd followed the advice they were given. Enrolled in workplace pensions. Put in the minimum. Assumed it would all work out.

It rarely did.

The problem wasn't lack of effort. It was lack of visibility. Pension systems in the UK are fragmented, confusing, and deliberately opaque. Fees are buried. Projections are overly optimistic. And most people don't realize there's a problem until it's expensive to fix.

We built mild-expertise to change that. Not by selling products, but by giving people the information and strategy they actually need.

Our Philosophy

Transparency Over Sales

We're not here to sell you financial products. We audit what you have, tell you what's working, and show you what isn't.

Strategy Over Complexity

Pension planning doesn't need to be complicated. Strip away the jargon and it's just math: what you're putting in, what you'll take out, and whether the gap is acceptable.

Adaptation Over Set-and-Forget

Your career changes. Tax rules change. Retirement ages shift. A pension strategy that doesn't evolve with you is already outdated.

Who We Work With

Most of our clients are between 35 and 55, earning between £40,000 and £120,000 annually. They're professionals who've been putting money into pensions for years but have never had someone actually look at the full picture.

Common situations we help with:

You've changed jobs multiple times and have pensions scattered across providers
You've been auto-enrolled but never looked at fund performance or fees
You're maxing out contributions without knowing if it's the right strategy
You're within 10 years of retirement and want to stress-test your plan
You inherited a pension or received a transfer and need to decide what to do with it

How We Work

Initial Consultation

We start with a conversation. What are you trying to achieve? When do you want to retire? What does your current pension landscape look like?

Data Gathering

We track down all your pension accounts, consolidate the information, and build a complete view of your retirement assets.

Analysis & Strategy

We model different scenarios, identify inefficiencies, and create a roadmap tailored to your specific situation.

Implementation Support

We guide you through consolidations, fund switches, and contribution adjustments. You make the final decisions; we handle the complexity.

Ongoing Reviews

We recommend annual check-ins to adjust for life changes, market shifts, and regulatory updates.

Credentials & Affiliations

Our advisors are qualified under the Financial Conduct Authority (FCA) guidelines and hold certifications in pension transfer analysis, retirement income planning, and tax-efficient wealth structuring.

We maintain professional indemnity insurance and adhere to the standards set by the Personal Finance Society and the Chartered Insurance Institute.

About Our Approach