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.


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.


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.




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 financial product that you put money into, which over time builds up into a fund that you can use when you retire. Your retirement pot is built up by investing regularly over several years. The money that you save into your pension gets a boost from tax relief, meaning that you are saving from untaxed earnings.

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?

Don’t worry Vision can help you. It’s never too late to start planning for retirement but it is important to act now. We will take you step by step through the pension process and make it easy for you to start saving for your retirement.

If you have an old pension you don’t currently pay into, we will check if a pension transfer will help you earn even more money.

I am self-employed, what are my options?
A review with one of our pensions financial advisers will definitely be useful to you. We will help you with self-employed tax relief, to save on the costs of a pension and help you earn the best return on your pension fund.
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.

Your pension adviser can help you understand if consolidating your pensions into one will:
  • 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?
Planning your retirement isn’t just about reviewing your pension plans. We can explore other income options to make sure they are working for you. These might include rental income, Cash holdings, ISAs, Investment Bonds, Unit Trusts, OEICs, Stocks and Shares.
How does the process work?
Initially we provide a free initial financial planning review that goes over your current circumstances, your goals and your appetite to risk. Once these are established and we feel we can make improvements to your plans, we then agree to provide a written recommendation that covers what we feel is the most suitable plan to achieve the above. We would then conduct all the administration advised to set these up. We would then review your circumstances on an annual basis to ensure that the plan remains suitable over time.

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

We are committed to providing an ongoing service. Regular reviews ensure your strategy remains aligned to you.

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.

Book a no obligation initial meeting