Retirement Planning
Are you feeling confused about your retirement planning and want to understand your options? You may need some help in understanding exactly what you need them to provide. Call us for a bespoke review to help you plan for retirement with confidence.
A pension is a long term investment and the fund value may fluctuate and can down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Completely independent
FCA authorised and regulated
Transparent family firm
Clear jargon-free advice
We will help you get the most out of your retirement
The most appropriate plan for you depends on your goals for retirement, what age you are looking to retire and what expenditure you anticipate needing. Some are content with catering to basic needs like food and bills, whilst others plan for regular holidays and new cars.
Pension plans are widely known but complex financial products and we find most of our clients require advice on how to take benefits, manage their risk as well as maximise their investment returns for retirement. As well as the different pension options, there is also the potential to explore lesser known different streams of income to effectively plan for retirement.
If you feel confused or overwhelmed at the prospect of planning your retirement savings, don’t worry. We are here to help. We work with you closely to develop a balanced portfolio that, over time will support your goals.

How we can help
Help you make informed, smart decisions about your pension plans so you can reach your investment goals.
We may recommend consolidating your existing plans, rearranging them to make them more tax efficient and/or advising new contracts.
Help you decide when to retire and how to retire early. We can assess your income and expenditure needs and help you plan an affordable retirement age.
Advising you how you can take tax-efficient withdrawals to suit your circumstances through flexi-access drawdown.
Advising on the best options for taking income and lump sums from a defined benefit pension scheme.
Helping you to explore different potential streams of income which must be considered when planning for retirement.
Supporting you to select a suitable fund strategy which is aligned to your attitude to risk.
Help you understand exactly how much you are saving within existing plans, what you are earning, what your fund is costing you and whether these are suitable for you.
Our ongoing Wealth Management service ensures your strategy is reviewed annually and adjusted to suit your changing needs.
What pension products
can we advise on?
At Vision we’re able to advise on the following products:
- Workplace pensions
- Occupational pension schemes
- Personal pensions
- AVCs
- Defined Benefit Pension schemes
- Teachers’ Pensions
- Local Authority Pension Schemes

Why choose Vision?
We centre your investment plan around you, your goals and risk appetite
We are completely independent so can access the whole of the market
We don’t baffle you with jargon. We prefer to be straightforward and upfront
We’re a boutique family firm – you only deal with a small team dedicated to you
We provide a completely free initial financial planning review
We’re flexible and provide options for meetings face to face, via phone or virtual
24/7 access to your own personal website with real-time valuations, secure messaging and document storage
Direct access to your personal advisor
It only takes a few seconds to send us your details. Book a free initial pension review.

Online Pension and Investments Tracker
Using the latest award-winning technology, we can provide you with your very own personal financial portal, allowing you to access your individual portfolio 24/7 via your computer, tablet or mobile phone.
You will also have direct access to your financial adviser through our secure messaging service.
Looking for honest pension advice?
Let our pension advisers remove the stress from your retirement planning and help you get the most from your pension. We pride ourselves on our personal, tailored and stress-free service.

Meet your adviser
Schedule a meeting with your Independent Financial Adviser. Your personal adviser will listen to your goals and aspirations to help you make the most of your income and ensure a comfortable retirement.

Plan
Your financial adviser will research and design a plan so that you can achieve your financial goals. Our advisers are professional and friendly, providing support and guidance with every step.

Relax
Once your plan is in place, you can relax knowing that your finances are taken care of. We’ll ensure that everything stays on track with regular reviews, so all you have to think about is living your best life today.
Testimonials
FAQs
Get help with the most common questions our team of independent financial advisers get asked.
Can’t find an answer?
What is a pension?
A pension is a long-term investment, and the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
I don't have a pension. Do I need one?
I am self-employed, what are my options?
I have multiple pensions, is it worth consolidating?
There is no limit to how many private pensions you can have, but you might find it difficult to track and manage multiple pension pots.
- Save you time
- Save you money in fees
- Make managing your pension easier
- Increase your pensions flexibility to give you more options for how you can access your pension fund
- Provide more opportunities to invest and improve your returns
- Help you understand any penalties involved with transferring your pensions and if the penalty charges are worth paying in order to obtain a better performing pension
- Identify any scenarios in which you could lose any guaranteed benefits or loyalty bonuses
We have advised many of our clients in West Yorkshire and beyond on whether they should combine their multiple pensions into one pot. During a pension review we will discuss your retirement goals and fully investigate whether a pension consolidation would be the right thing for you.
What products can you advise me on other than pensions?
How does the process work?
A pension is a long term investment and the fund value may fluctuate and can down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
How we help
Personal / Business
Retirement Planning
If you feel overwhelmed at the prospect of planning your retirement savings, don’t worry. We are here to help.
Investment Planning
We advise on a range of tax-efficient investments, creating the best-tailored plan for you and your family.
Protection Planning
We help to safeguard your family’s financial position against the unexpected and protect the lifestyle you enjoy.
Wealth Management
Employee Pensions
Depending on the way your scheme is administered, as a business you can benefit from substantial savings.
Business Protection
We provide support to help you mitigate risk and let you plan your business future with confidence.
Not sure what you need?
Get in touch - we're happy to help.