Take Control of Your Retirement Savings
Your pension is likely your biggest asset after your home. Yet, many people have multiple "frozen" pensions from past jobs, unclear on fees, performance, or what income they will actually provide.
The advisors listed below are pension specialists. They can help you trace lost pots, analyze the benefits of consolidation, explain tax-free cash options, and advise on the critical decision between secure annuities and flexible drawdown. Whether you're 5 years from retirement or 25, professional pension advice ensures your money is working as hard as you do.
29 Pension Advisors
Cirencester
01285 372 382
Fee-only
Directory Enquiries Only • No Advice Given
Cirencester
01285 702 340
Fee-only
Directory Enquiries Only • No Advice Given
Gloucester
01452 260 840
Fee-only
Directory Enquiries Only • No Advice Given
Gloucester
07387 788924
Fee-only
Directory Enquiries Only • No Advice Given
Gloucester
08000 469776
Fee-based
Directory Enquiries Only • No Advice Given
Gloucester
Contact via website
Fee-based
Directory Enquiries Only • No Advice Given
Gloucester
Contact via website
Fee-based
Directory Enquiries Only • No Advice Given
Cheltenham
01242 123 456
Hybrid
Directory Enquiries Only • No Advice Given
Cheltenham
01242 246 855
Fee-only
Directory Enquiries Only • No Advice Given
Cheltenham
01242 514 674
Fee-only
Directory Enquiries Only • No Advice Given
Cheltenham
0800 915 0000
Fee-only
Directory Enquiries Only • No Advice Given
Cheltenham
0330 038 8941
Fee-only
Directory Enquiries Only • No Advice Given
Tetbury
Contact via website
Fee-based
Directory Enquiries Only • No Advice Given
Tetbury
Contact via website
Fee-based
Directory Enquiries Only • No Advice Given
Tetbury Area
0330 038 8939
Fee-based
Directory Enquiries Only • No Advice Given
Witney
01993 772467
Fee-only
Directory Enquiries Only • No Advice Given
Chipping Norton
01608 646 738
Fee-only
Directory Enquiries Only • No Advice Given
Oxford
01865 761 182
Hybrid
Directory Enquiries Only • No Advice Given
Oxford
01865 559 200
Fee-only
Directory Enquiries Only • No Advice Given
Oxford
01865 792 001
Fee-only
Directory Enquiries Only • No Advice Given
Bath
01225 420 010
Fee-only
Directory Enquiries Only • No Advice Given
Bath
01225 466 355
Hybrid
Directory Enquiries Only • No Advice Given
Bath
01225 471 700
Fee-only
Directory Enquiries Only • No Advice Given
Winchcombe
Contact via website
Fee-based
Directory Enquiries Only • No Advice Given
Cirencester/Winchcombe
Contact via website
Fee-based
Directory Enquiries Only • No Advice Given
Malmesbury
0330 038 8938
Fee-based
Directory Enquiries Only • No Advice Given
Malmesbury
Contact via St. James's Place
Fee-based
Directory Enquiries Only • No Advice Given
Bourton-on-the-Water/Woodstock
Contact via website
Fee-based
Directory Enquiries Only • No Advice Given
Woodstock
01993 813500
Fee-based
Directory Enquiries Only • No Advice Given
Understanding Your Pension Options
- Consolidation: Combining multiple pots into one modern plan. Reduces paperwork and often lowers fees, but check for exit penalties.
- The 25% Tax-Free Lump Sum: You can typically take up to 25% of your pension tax-free from age 55 (rising to 57 in 2028).
- Flexi-Access Drawdown: Keep your pension invested and take income as you need it. Flexible, but requires careful management to avoid running out of funds.
- Annuities: Exchange your pot for a guaranteed income for life. Rates have improved recently. Secure, but inflexible.
- Defined Benefit (Final Salary): Gold-plated pensions promising a set income. Transferring is risky and requires specialist advice.
Find Pension Advisors in Your City
Pension Frequently Asked Questions
When can I access my pension?
Currently, you can access private pensions from age 55. This is rising to age 57 in April 2028. State pension age is currently 66. Early access is only possible in rare circumstances like serious ill health.
How much is the State Pension?
The full new State Pension is £203.85 per week (2023/24 tax year). To get the full amount, you typically need 35 qualifying years of National Insurance contributions. It's rarely enough to fund a comfortable retirement on its own.
What happens to my pension when I die?
Defined contribution pensions are very tax-efficient for inheritance. If you die before age 75, your beneficiaries can usually inherit the pot tax-free. After 75, they pay income tax on withdrawals. It's crucial to keep your "Expression of Wish" forms updated with your provider.
Secure Your Retirement Today
Speak to a qualified pension specialist in the Cotswolds to review your options
Disclaimer: This is a directory service. We do not provide financial advice. Pension rules are complex and subject to change. Always verify FCA registration at register.fca.org.uk before engaging an advisor. Investment values can go down as well as up.