A: It depends on your goals, income, and timeline, which differs for everyone. We can review your current savings rate against your retirement goals and show you whether you're on track, or what adjustments might help based on your individual circumstances.

A: Many people have pensions from previous employers sitting in old schemes with high charges or poor performance. A review can help you understand whether your current arrangements suit your goals, though consolidation isn't right for everyone, as some older pensions include valuable guarantees or benefits that would be lost by moving. We can help you weigh this up before making any decision.

A: Possibly. Many people underestimate their real retirement pot once pensions, savings, and investments are properly totalled and modelled against realistic income needs. A cash flow forecast can help build a clearer picture, though this depends on your personal circumstances and no outcome can be guaranteed.

A: Business owners often extract profit through salary or dividends without considering pension contributions, which can be tax efficient depending on individual circumstances. We can review your extraction strategy against current tax rules and your personal situation.

A: Inheritance tax (IHT) is currently charged at 40% on estates above the available nil-rate bands, though this depends on individual circumstances and tax rules may change in future. An IHT review looks at your estate, gifting options, and trust or pension structures that could help reduce the bill.

A: Your existing plans and investments remain valid and continue as they are; nothing changes automatically. What you lose is ongoing advice and reviews, so it's worth arranging a handover meeting to make sure your plans still suit your circumstances.

A: No. Advice can be valuable for people starting to build savings as well as those with substantial assets. The right starting point depends on your goals, not a minimum account size.