Pensions Advice Cambridge

We offer a friendly, local service providing Pensions Advice in the Cambridge area.

Providing Pensions Advice for Private Individuals and Business Owners in Cambridge

Calver Wealth Management have over 18 years experience in providing financial advice to Private Individuals and Business Owners.

Using our knowledge and expertise alongside the latest technology, we design modern and personalised retirement planning solutions for our clients.

private pension advice Cambridge
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What type of Pensions Advice do we offer?

We can help to analyse your existing pensions that you may have lost touch with.

Advise on setting up a private pension scheme, which you can pay into either on a regular basis, or by using lump sum investments (subject to UK pension annual allowance rules and legislation).

We will discuss your future goals and objectives to understand how much income you may need in retirement to support your lifestyle and calculate potential shortfalls in your planning.

If you are concerned as to whether you need financial advice to transfer your pension, we would suggest that professional advice is crucial to help you choose the right option for your individual needs.

We are often asked “what type of pension should I get?” There are many different types of pension schemes and we can help to narrow down which type of pension might be most suitable to help achieve your long-term goals and objectives.

As a Partner Practice of St. James's Place, we have access to their distinctive Investment Management Approach and through them we can offer access to some of the best fund managers to invest with across the world, as well as offering Sustainable and Responsible investment options.

We will also help to assess how much risk you are comfortable in taking across your pension funds.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Remember that your pension will one day need to support you for the longest holiday of your life. As with our own day to day lives, we have to make many important decisions and adjustments to keep our goals on track. This is the same with pension planning, regular reviews and monitoring of your pension will help to ensure you achieve your financial objectives to provide you with the retirement you deserve.

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Complex Financial Advice

Pensions Annual Allowance and Tapered Annual Allowance Calculations

Lifetime Allowance Calculations

At Retirement Options – such as Flexible Access Drawdown, Uncrystallised Funds Pension Lump Sum and Annuities.

3 Key Stages of Pension Planning

We feel there are three key stages to pension planning:
1) Pre-Retirement – the years to accumulate and grow your pension funds.

2) At- Retirement– the years where you will slow down from work and start using the funds you have accumulated to provide an income to support your new lifestyle.

3) Legacy Planning – we help you reduce the amount of money paid in Inheritance Tax (IHT) when you die, enabling you to leave a legacy for your family or loved ones to benefit from the remaining pension funds.

Many people are not aware that a private pension (defined contribution pension schemes) can be passed down to your loved ones after you pass-away. HMRC tax rules and legislation apply, but the beneficiary generally does not have to wait until they are at retirement age to access these pension monies.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

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Get advice for your pension in Cambridge

Every stage of your pension planning requires careful decisions to be made. A professional financial adviser can help to explain complex technical jargon to ensure you fully understand what you want out of your pension, and how to achieve it.

If you would like further information on your retirement options please click here or if you would like to book in a phone consultation or request further information click here.

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What our clients say

Mrs D, Lincolnshire

“Jo has now advised my husband and I on everything. Not only has she provided an excellent and discrete service in the comfort of our own home, but she has also saved us money and significantly improved our pension investments. Going forward, there is no one else I would trust with our affairs, and I would highly recommend the service provided.”

Mr D, Accountant, Lincolnshire

“Steve is always prompt, very thorough and always professional. He advises on all angles and is willing to help when ever asked. I would not hesitate to recommend him.”

Mrs Helen Richardson-Walsh MBE and Mrs Kate Richardson-Walsh OBE

“On retiring from International hockey after winning Olympic Gold in 2016, Helen and I were keen to get our financial situation
organised. We had no pension and no financial plans in place and didn’t know who to turn to.

A chance meeting through a work engagement led us to meet Jo Calver and we have not looked back since. We really appreciate Jo’s honesty, empathy and professionalism. She has taken a lot of time really getting to know us and our financial situation. We now have a pension plan in place and all of our finances organised. We have regular contact with Jo with thorough overviews of our progress. We wouldn’t hesitate to recommend Calver Wealth Management to any female athletes who want to plan for their future and improve their now.”

Get in touch today to discuss your pension