Plan for the Future You Deserve
Pension advice helps you make smarter decisions today — so you can enjoy freedom and security later in life.
Be Prepared
What is Pension Advice?
Pension advice helps you understand, manage, and grow your retirement savings — whether you’re employed, self-employed, or running a business.
It covers everything from combining old workplace pensions to setting up private schemes, reviewing contributions, and planning for tax-efficient withdrawals.
Whether retirement is decades away or just around the corner — tailored advice can make a huge difference.
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester
Track Down Old Pensions
If you’ve had multiple jobs, we can help you locate and consolidate past pensions into one clear plan.
Understand Your Options
From SIPPs to workplace schemes and personal pensions — we break down the pros and cons of each.
Optimise Contributions
We’ll assess how much you can and should be paying in, making sure you’re not missing out on tax relief or employer matches.
Plan Your Retirement Income
Get a clear picture of when you can afford to retire, how much you’ll need, and the best way to draw your pension tax-efficiently.
Benefits of Using a Broker for Pension Advice
Be Prepared
Things to Consider With Pension Advice
Pension Performance
We’ll review how your pension is currently invested and if it matches your risk profile and retirement goals.
Charges and Fees
Many old pensions come with high or hidden fees. We help you compare options and reduce unnecessary costs.
Tax Efficiency
From annual allowance limits to the Lifetime Allowance (if applicable), we’ll ensure your plan stays tax-efficient.
Access Age and Rules
You can usually access your pension from age 55 (rising to 57). We help plan withdrawals sensibly to avoid penalties or tax shocks.
Changing Circumstances
Whether you’re switching jobs, becoming self-employed, or nearing retirement, your pension strategy should evolve with you.
FAQs
Can I combine all my pensions into one?
In most cases, yes — and doing so can make things easier to manage. We’ll check for any penalties or loss of benefits before consolidating.
How much should I be contributing?
It depends on your age, income, and retirement goals. We’ll help you calculate a target and build a plan around it.
What happens to my pension if I die?
Many pensions can be passed on to loved ones — often tax-free. We’ll help you nominate beneficiaries and understand the rules.
Can I access my pension early?
Only in specific circumstances such as serious illness. Otherwise, access is usually from age 55–57. We’ll explain your options.
Will I get a State Pension too?
If you’ve paid enough National Insurance, yes — but it may not be enough on its own. We’ll factor it into your full retirement plan.
First Time Buyer
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.
Remortgage
Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.
Self Employed
We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.
Buy To Let
From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.
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Book Your Call
Ready to make your Next Move?
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester