Your Plan
Your Pension
Your Way
Since 1987, we’ve guided clients through the complexities of retirement. As one of the UK’s most qualified teams—with MSc, FPFS, CFP Chartered FCSI (Financial Planning) and DipFA MLIBF qualifications—we are the UK’s leading experts in Occupational Final Salary (Defined Benefit) Pensions and holistic Financial Planning Advice with SIPPs and personal pensions.
❖ Pension Transfers
❖ Financial Planning
❖ Expert Pensions
Expert Pensions Advice
Expert advice, guidance and coaching designed to simplify difficult decisions and give you the confidence to make informed decisions about your financial future.
Expert guidance and proven financial planning advice for your plan, your pension and your financial future.
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 and with financial planning advice using personal pensions and SIPPs.
Our advice is supported by sophisticated financial modelling tools, using the most powerful data available.
Gold Standard Advice
We follow the CII PFS Pensions Gold Standard and are regulated 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 wherever possible.
We make it a priority to ensure that you understand what we are doing at each and every step.
Secure Online Digital
All meetings are held online via secure, high-definition video calls, recorded for your protection.
Our business is built on the Google Workspace platform.
More details can be found here: click here
We also use the Google suite of AI tools made available to us via our google workspace licence, 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
You don’t have to wait for 45mins on hold.
You don’t have to worry about the stress of dealing with scheme administrators or 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 your options in plain English.
Expert Pension Advice
We are an expert technical and advisory resource for all pensions, including all types of Occupational pensions.
We will do the research, obtain your scheme information on your behalf and outline your options with your pension.
International Pension Transfers
We provide cross-border pension support.
We work with licensed and regulated Australian advisers supporting clients locally and globally with our ‘‘Four Pillars’’ of support for International Pension Transfers into Australian ROPs
Your Expert Pensions team
Your team have been working with Pensions since 1987…yes, a long time!
-
John Reynolds
Senior Manager
-
Rachel Campbell
Head of Operations
-
Peter Lawlor
Head of Financial Advice
-
Chris Yeates
Head of Compliance
Less stressful and more successful for you
-
![]()
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.
-
![]()
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)
-
![]()
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
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.
We’ll explain the project, its timescales, the process, and the fees we will charge: fixed project fees that are fair and transparent. We don’t start until you are happy with our approach and our fee.
3
Building your Plan, your way with your Pension
Together, we’ll build a retirement strategy that protects your wealth and gives you peace of mind
We’ll start with an assessment and discussion about risk and your risk appetite. We’ll agree what your appetite for risk looks and feels like.
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 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, long term, sustainable, within your risk appetite and validated.
Our fees
-
Straightforward
This is our entry-level financial planning advice model.
. Clear, Predictable, and Transparent Costing Our fee is a simple, transparent, and fixed flat fee, meaning you know exactly what you’ll pay upfront, regardless of the assets you hold. This approach ensures the fee is not based on the value of your portfolio, providing clarity and predictability that contrasts with the traditional Assets Under Management (AUM) structure
-
Defined Benefit Pensions
We are Defined Benefit Pension Transfer Specialists.
We offer Conflict-Free Advice Driven by Your Best Interests. Because the fee is fixed and independent of the assets we manage, our compensation is non-contingent on investment outcomes. This structure creates a more honest environment where we are empowered to act as a fiduciary—legally required to work for your best interest rather than our own. We can freely recommend actions vital to your goals, your plan, your risk appetite, your way.
-
Complex Financial Planning
Different types of pensions and investments, tax wrappers, and detailed tax planning.
This is more complex, more detailed and involves tax planning a detailed withdrawal strategies. Maximizing Portfolio Growth and Efficiency The flat-fee model offers significant cost savings for clients with a substantial assets compared to the percentage charged under an AUM model.