ADVISED
£132,921
Call our team today on 0161 388 8875
Pension Planning
Pension Planning should be as easy as possible.
Want free, impartial, and straightforward pension advice?
Confused and unsure where to start?
Take advantage of our FREE pension planning review worth over £500 complete our form and get clarity on your options today.
Get started here:
FCA approved.
Pension Transfer Gold Standard approved
Part of an award-winning network
We Don’t Accept Commissions
We Give Unbiased Advice.
Start Your FREE, No Obligation Pension Review Today
A cashback offer you
don’t want to miss!
At Neo we know the importance of having a good financial plan, and we are confident the value of our advice pays.
We make it easy for you to transfer an investment or pension, and we’ll even take care of managing your new plan for you.
That’s why we are offering a cash back incentive when you take our services up – for any new pensions, pension transfers or investments
we will inject £200 cashback into your portfolio to boost you in the right direction.
Value of Advice
Advice pays. Here's the evidence.
Studies show that those who take independent financial advice are better off than those who don’t.
NON-ADVISED
£92,921M
Investments
Consumers with advisers save longer and contribute more to investment products, leading to an average of £40,000 more in investment value than those without advisers.
ADVISED
£59,000
NON-ADVISED
£38,918
Savings
Consumers who seek advice on cash-based saving products save an average of £20,000-£59,000 more than those who did not seek advice.
ADVISED
£175,121
NON-ADVISED
£92,616
Pensions
The average pension pot for consumers with financial advisers is nearly twice the size of those without advisers.
The UK average
£21,164
Average pension pot size
33%
Regularly contributing
Greater London
£22,315
Average pension pot size
33%
Regularly contributing
Compare your region to the UK average by clicking on the map
- East Mid Lands
- Northern Ireland
- Greater London
- South East
- North East
- North West
- Scotland
- South West
- Wales
- West Mid Lands
Our Pension Review Service and how it works
The pension review service provides you with a clear picture of the performance of your pension fund, recommends ways you can improve it, and our advisers may suggest putting certain plans in place to leave you better off when you stop working, only if these are in your best interest. If there is no need to make any changes to your current pension pot, we’ll let you know with full transparency.
Our team will
Evaluate whether the amount you’re currently paying in will be enough for a comfortable retirement.
Check and review where your pension is being invested and whether you’re happy with that.
Ensure that the investment profile of your current pension fund is in-line with your preferences in terms of its level of risk.
Assess the fees you’re being charged for fund management and whether they’re fair and reasonable in relation to the pension’s level of risk and the amount paid in.
Find any pensions from previous employment that are ‘frozen’ or ‘preserved’ and recommend what to do with them, i.e., would it be worth putting them into one larger fund?
Why choose us?
Neo Wealth is part of an award-winning network made up of over 20 UK based individuals, advisers, technicians, and administrators. With 11 offices worldwide servicing over 20,000 clients.
We’re Accredited With The Pension Transfer Gold Standard So You Can Have Confidence In Us. Get Trusted And Impartial Advice On Your Pension Options Giving You Peace Of Mind, oh and we are also Chartered! because people are at the heart of what we do.
Call our team today on 0161 388 8875
Guide to SIPPS & Personal Pensions
Introduction
In 2021 there was an estimated £20 billion in deferred ‘frozen’ pensions, they can be a maze for many of us; some don’t have the time, others don’t know where to begin and most don't even know what options are available to them.
We all dream of spending our well-earned retirement doing what we love without worrying about money. But getting your dream retirement can take a lot of effort and discipline to ensure you have enough cash to be comfortable during your golden years. In fact, according to a recent study, you’ll need at least £10,200 a year to have all your basic needs covered in retirement. Assuming you finish work at 67 and live until the age of 82, you could need around £153,000 in your pension pot by the time you retire. This amount can sound scary, but don’t worry, there are many ways to help you reach your retirement goals.
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You can find the details in our Services & Fees document which you should read carefully and discuss with us if anything isn’t clear.
We will issue a ‘Personalised Charges Document’ to you which will confirm any charges you will be liable for. We will issue this once we have assessed the scope of the work we will complete. We cannot charge you any fee until you confirm acceptance of the charge.
You can get this online or over the phone.
To apply online go to http://www.gov.uk/check-state-pension and follow the instructions from there. You’ll need to verify your identity as part of the process, either through your Government Gateway account if you have one, or by using the GOV.UK verify service, so you will find it helpful to have one or more of the following to hand:
A valid UK passport.
Bank Statement showing direct debit payments.
A P60 for the latest tax year.
Payslips – for the last 2-3 months.
National Insurance Number.
You may also need your mobile phone to receive a security code.
To apply by phone, call 0345 3000 168. You’ll have to do this if you are within 30 days of your State Pension age, or already over this age.
Advice is often about plans as much as it is about particular products and services.
Expert financial advice can be invaluable if:
you need help making certain decisions
you want to make sure your tax and general household finances are in order
you’re dealing with financial issues that can become complex and time consuming.
If you buy an investment product based on financial advice and a recommendation, you’re much more likely to get a product that meets your needs and which is suitable for your particular circumstances.
Depending on the type of adviser you use, you might also have access to a wider range of choices than you’d be able to find realistically on your own.
Advisers can provide expert guidance when you have important and potentially difficult financial decisions to make, such as approaching retirement.
An adviser can put a plan together to help meet your short, medium and long-term goals. They can then keep you on track to reach those goals and make changes where necessary.
If you have money to invest, an adviser can make sure that it works hard for you and that you make the most of the tax reliefs and allowances available.
So if you're turned-off and confused with the typical rubbish pensions communications and feeling as though you’ve missed out by not saving much sooner for your future?
Complicated jargon, scary forms and pages and pages full of technical information is not how it should be, that’s why we set out to change things. Pensions, investments, tax, mortgages – let’s face it, these subjects are often made to sound a lot more complicated than they actually are. If you need support with making these subjects more digestible, look no further.
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