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Personal Pensions

Pension planning is becoming increasingly complex, with the government offering a range of tax incentives, and the pension providers offering a plethora of different products and investment funds.

To find what the best options are for each of our clients, we review their existing arrangements, suggest improvements, and guide them through the personal pension-planning maze to ensure all their individual needs are met.

Many people come to us having accumulated numerous pensions over the years, none of which have any discernible structure or are actually working towards the clients’ retirement objectives.  Quite often, clients do not know what their pensions are worth, how they are performing, the charges being levied and what level of retirement income they are likely to provide.

Our job is to advise clients on the feasibility of a consolidation of these old pensions and to provide a jargon-free explanation of the above.  We can also advise on the suitability of a Stakeholder, personal or a self-invested pension.

Company Pensions

Each business has its own specific set of needs regarding pension provisions for its employees.  Whether you are concerned about an existing pension scheme or considering the introduction of a new auto-enrolment scheme, we can help.  At Mutual, we have an in-depth understanding of the Auto Enrolment Regulations and offer a low cost, fixed fee solution that ensures full compliance with the current rules and regulations.

We have a dedicated company pension service that can advise you on all aspects of pensions in the workplace, including Group Personal Pensions, Occupational Pensions, and even Final Salary/Defined Benefit schemes.

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Investment Update - August 2018

Investment Update August 2018 Taking the Temperature; At our recent Investment Committee meeting we discussed the increased volatility which has...

Q3 2018 Investment Views

We would like to thank you for providing our clients with such a great service and always putting their needs first.
Samantha Private Client
I would like to give my appreciation for all the support and assistance that you have provided for me over the last 6 months.
Mrs S Miller Private Client
As soon we met you we felt in safe hands. You advised us on the state and worth of our current pensions clearly and simply.
Sean & Lisa Private Client