Your Plan
Your Pension
Your Way
Expert Pensions Advice LLP | Pensions & Retirement Specialist
Helping You Write Your Story About Your Best Life
Since 1987, we’ve guided clients through the complexities of pensions and retirement. As one of the UK’s most qualified teams—with MSc, FPFS, CFP Chartered FCSI (Financial Planning), DipFA MLIBF and CII Diploma qualifications—we are the UK’s leading experts in Occupational Final Salary (Defined Benefit) Pensions Advice and holistic Financial Planning Advice with SIPPs and personal pensions.
❖ Pension Transfers
❖ Financial Planning
❖ Expert Pensions
Expert Pensions Advice
Making decisions about your pension and financial future can feel complex and overwhelming. They are important.
We bring clarity and confidence to that process, so that you are making the best-informed decisions.
We are a specialist independent firm dedicated to providing clear, evidence-based financial advice and pension planning for a fixed project fee.
With the technical expertise required to handle even the most intricate cases, including Defined Benefit pension transfers and cross-border pension transfers into Australian SUPERs.
Experience and Expertise
Over 100 years of combined experience, your team have been in pensions since 1987. Led by John Reynolds – one of the UK’s most qualified and respected pension specialists – we provide expert guidance on defined benefit and final salary pension transfers, alongside expert financial planning advice using personal pensions and SIPPs.
Our advice is supported by sophisticated financial modelling and AI tools (as you will see throughout the site and in our work).
Gold Standard Advice
We are authorised, regulated and approved by the FCA.
Our FCA registered details are here: click here
We have a duty of care to you.
Our fees are clearly and openly disclosed, with a focus on fixed pricing and time-based costs wherever possible.
You understand what we are doing at every step before you commit to anything. Please go and have a read through our Insights for more detail.
Remote first with Secure Online Support
All our meetings are held online via a secure Google Meet link, and recordings are recorded for your protection.
Our business is built on the Google Workspace platform.
More details can be found here: click here
We are also supported by the Google suite of AI tools, where ALL data is secure and not used for machine learning purposes.
We use a secure portal for sharing personal data. You can find more here:
❖ Pension Transfers
❖ Financial Planning
❖ Expert Pensions
How we help you
Operational Support
Don’t wait for 45 minutes on hold to deal with dinosaur pension providers (who don’t dance)
You don’t have to worry about the stress of dealing with unknown or unfamiliar scheme administrators or dinosaur pension providers.
We handle all of that for you.
We’ll take the stress. We’ll deal with them on your behalf. We obtain your scheme information on your behalf and translate all your options into plain English.
Expert Pension Advice
We are expert technicians and financial planning advisers for all pensions, including all types of Occupational pensions, including public sector and Defined benefit pensions (including transfers)
We conduct the research, obtain your scheme information and go through all the options on offer from your scheme.
Would like to know more about what we do and what’s included in our advice?
International Pension Transfers
We provide cross-border pension support for Expats living in Australia
We work with licensed and regulated Australian advisers and Tax specialists, supporting clients locally and globally with our ‘‘4 Pillars Approach’’, supporting International Pension Transfers into Australian ROPs (SUPERs)
Would you like to know more about our unique ‘‘Four Pillars’’ approach?
Your Expert Pensions team
Your team have been working with Pensions since 1987…yes, a long time!
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John Reynolds
Senior Manager
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Rachel Campbell
Head of Operations
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Peter Lawlor
Head of Financial Advice
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Chris Yeates
Compliance and Operational Support
Less stressful and more successful
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The Value of Recorded Meetings
In complex financial planning, circumstances can change rapidly. We recently handled a sensitive situation where serious ill health meant that a final legal structure, such as a trust, could not be formally established before the client passed away.
However, because we diligently record and transcribe all client discussions, clear and verifiable evidence was available. Relatives reviewed the transcripts and watched the recordings of the prior discussions, providing undeniable confirmation of the client's confirmed wishes.
This documentation was crucial. It ensured that, despite the lack of a completed trust, the client’s intentions were honoured and followed, providing clarity and direction during an incredibly difficult time.
This case serves as further evidence of the recordings proving their worth, turning potential ambiguity into certainty. Recorded meetings are not just a backup; they are the gold standard for protecting and preserving your intentions.
Serious Ill Health Pension Transfer case
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No stress
Working with Expert Pensions Advice to transfer out my pension with safeguarded benefits took a weight off my shoulders. They diligently guided me through the process and the necessary paperwork, and I couldn't be happier with the speed and ease of the transfer, meeting the deadline with time to spare. All in all, highly recommended!"
— Alex (September 2025)
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Making good decisions
My wife and I were introduced to Expert Pensions Advice regarding a potential Defined Benefit (DB) transfer. We appreciated Peter's time during our recent calls.
The firm arranged for us to receive helpful educational materials, including videos and a quiz. We worked through these together, and we both thought the videos were really helpful and informative.
In fact, the process did a very good job of giving us pause for thought around our overall approach to retirement income, spend, and risk. At this stage, we have decided to hold on further abridged advice regarding the potential transfer and stick with our current DB scheme. We are grateful for the clear, informative process that allowed us to make a confident decision."
— Ian (Client considering DB Transfer advice)
❖ Pension Transfers
❖ Financial Planning Advice
❖ Expert Pensions
How It Works
1
You book a free, no obligation, no-pack-drill, no-nonsense virtual coffee
Schedule a free, no obligation, no-pack-drill, no-nonsense online video meet for a virtual coffee to discuss your plan, what you want to do with your pension, in your retirement.
2
Our terms of business and fees
We’ll clearly explain your project plan, what is wihtin scope for your project and our fixed fee.
We’ll explain the project, its timescales, the process, and the fees we will charge: fixed project fees that are fair and transparent. Our fees are based on the time and work involved in your project.
We don’t charge a fixed % of your wealth or oblige you to take any ongoing advice beyond your project, your plan and your scope (unless you explicitly agree for any further work).
We don’t start until you are happy with our approach, your plan, your project and our fee.
3
Building your Plan, your way with your Pension
Together, we’ll build a plan and strategy with you. We Advise into your Objectives.
We’ll start with an assessment and discussion about risk and your risk appetite. We’ll agree on what your appetite for risk looks and feels like: appetite and attitude.
We’ll gather a LOT of data about you, your plan and your pensions and investments.
We’ll build a model of your financial future and we’ll discuss ALL the options. We’ll discuss the ‘‘Art of the Possible’’ - what do you want to do, what can you can - and what can you do safely, sustainably and with some confidence.
What impact will those decisions and choices make? We’ll show you…the art of the possible.
The art of the possible
We’ll show you what’s possible with your plan. It will be long-term. It will be sustainable. It will be within your risk appetite. It will be validated against the most respected, trusted assumptions and data available. It will be delivered for a fixed fee.
It will only be done when you say it is done.
