Private Pensions

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

What is a Pension? Well, the word pension means different things to different people. Some think of it as a small income paid by the Government, some think of it as an old age benefit whilst others think of it as a complicated savings plan for retirement. Whatever you think a pension is, there is no doubt that UK retirement benefit plans are complex & confusing for most people. There are many different types that were issued under different governments, regimes & rules and many people have a collection of these different schemes

A few terms you might have heard of:

SEC 32
Personal Pension
Defined Benefit
Contacted Out
Contracted In
Final Salary 

These are all types of private pension arrangement, no wonder people get confused. The reality is that private pensions are extremely tax efficient and are not particularly appreciated by the general public. This is mainly because of a a lack of understanding.

At James & Co Wealth Management we have a highly qualified pension adviser who can complete a basic review of your retirement plans free of charge. We will be able to assess your current expected income, advise of individual limitation and provide recommendations in respect of consolidation if this is in your interest. We will write to your pension providers & get factual up to date information prior to completing an analysis


For more information please call 01622 831855 or complete the enquiry form below.


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James & Co Wealth Management Limited. Registered in England and Wales, under No. 04464101. Registered office address -Rosemount House, 2 - 4 Chequers Road, Basingstoke, Hampshire, RG21 7PU.

James & Co Wealth Management Ltd is an appointed representative of Intrinsic Mortgage Planning Limited and of Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA Register ( under reference 440703 and 440718