Clear, expert advice on how much to save, your options, and making the most of your contributions

Saving for retirement is one of the most important financial steps you'll ever take. But knowing where to start, how much to put away, and which pension is right for you can feel daunting. Our independent financial planners are here to provide the clarity you need, creating a simple, actionable plan to help you build the financial future you want.

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Why save into a pension? The three key benefits

A pension is simply a long-term savings plan with significant advantages. When you save into a pension, your money grows in three powerful ways.

1. A boost from your employer: If you're in a workplace pension, your employer is required to contribute to your pot every time you do. It's effectively part of your salary package that you only get if you're saving.
2. A top-up from the government (tax relief): For every £80 you contribute to your pension, the government automatically adds £20. If you're a higher-rate taxpayer, you can claim back even more. It's one of the most generous tax breaks available.
3. The power of long-term growth: Your contributions are invested, giving them the potential to grow significantly over many years through the power of compound returns.

How much should you save for retirement?

This is the most common question we hear, and the honest answer is: it's personal. It depends on your age, your current lifestyle, and your goals for the future.

A popular rule of thumb is to take the age you start saving and halve it. That's the percentage of your pre-tax salary you should aim to contribute for the rest of your working life. For example, if you start at 30, you should aim for 15% of your salary (including your employer's contribution).

While this is a helpful starting point, it's no substitute for a personalised plan. Our advisors use cashflow modelling to help you see exactly what your retirement could look like and create a savings target that is both ambitious and achievable for you.

Your pension options: The main ways to save

Workplace pensions

For most employees, this is the primary way to save. Under auto-enrolment, your employer must set up a pension for you if you're eligible. You contribute a percentage of your salary, and your employer has to contribute too. Many employers will also offer “contribution matching,” where they'll pay in more if you do — a fantastic way to boost your savings.

Personal pensions (including SIPPs)

A personal pension is a plan you set up yourself. They are essential for self-employed individuals and a great option for employees who want to save more than their workplace scheme allows. A Self-Invested Personal Pension (SIPP) gives you greater control and a wider choice of investments. We can help you decide which type is right for your circumstances.

Our simple 3-Step process to a clear savings plan

1. Step 1: Complimentary discovery meeting: A no-obligation chat to review your current pensions, understand your goals, and see how we can help.
2. Step 2: Personalised savings plan: We'll provide clear recommendations on how much you should be saving and the most effective way to do it.
3. Step 3: Implementation & ongoing support: We'll help you set up your plan and provide regular reviews to ensure you stay on track.

Take control of your retirement savings today

Whether you're starting from scratch or want to make sure you're saving enough, a complimentary pension review can provide invaluable clarity. Let's build a plan for your future, together.

Book my free pension review