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M&C Financial Planning
Pensions

Understand your pensions. Plan with confidence.

Clear, independent pension advice to help you understand what you have, how it is structured and how it may support your future.

A financial adviser reviewing pension documents with clients
Overview

Taking control of your pensions

Pensions can accumulate quietly over a career and often go unreviewed for years. A clear picture of what you have — and how it's working for you — is the first step towards a confident retirement.

We help you make sense of your existing arrangements, understand charges and investment choices, and align each pension with the retirement you're planning for.

"Consolidation isn't always the right answer. The right answer is the one that fits your circumstances."
How we help

How M&C can help

01

Reviewing existing pensions

Understand what you have, how it is structured and how it is performing.

02

Consolidating where appropriate

Consider whether combining pensions could bring benefits — where it makes sense to do so.

03

Understanding charges and investments

See what you are paying for and how your money is invested.

04

Aligning pensions with your goals

Ensure your pension strategy reflects the retirement you're planning for.

05

Ongoing pension reviews

Keep pensions on track as your circumstances and legislation change.

Our approach

A clear, considered process

Every recommendation begins with your circumstances and works back from what matters most.

  1. 01Understand your goals
  2. 02Review existing arrangements
  3. 03Assess risk and timeframe
  4. 04Research suitable options
  5. 05Explain recommendations
  6. 06Support implementation
FAQ

Common questions

Ask us directly
Sometimes, but not always. Consolidation can simplify management, but existing pensions may carry valuable features or guarantees. We assess each pension on its own merits before recommending anything.
Performance should be considered in the context of charges, investment risk and how the pension fits with your goals. A review helps establish whether it remains suitable.
That depends on the lifestyle you want and how long your retirement may last. Cash-flow planning can help translate lifestyle into realistic income targets.
Yes. Workplace pensions are often a key part of retirement planning and are reviewed alongside your other arrangements.
There are several options — including drawdown, annuities and combinations of both. We help you understand what each means for your circumstances.

Important information

Pension consolidation is not right for everyone. Transferring may mean giving up valuable benefits, guarantees or protections. Any recommendation to transfer will only be made after a full review of your existing arrangements and your circumstances.

The value of your pension and any income from it can fall as well as rise, and you may get back less than you put in. Tax treatment depends on individual circumstances and may change in future.

Start the conversation

Your financial future starts with a conversation.

Speak with an adviser about your pensions, retirement plans or investment goals.

Book an Initial Conversation Call 020 3890 5800