Pension Finder at your service.

We are a professional group dedicated to helping individuals find answers and solutions to their pension queries.

We provide a simple service that is committed to finding you pension advice from a pension advisor with the relevant knowledge and industry experience.


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Pension Finder At Your Service:

Let's begin by saying you are not alone, this problem of lost pension assets is more commonplace than you might think. After all we live in a constantly changing environment, where new jobs, temporary contracts and employment mobility is now commonplace.

Often people were members of schemes that merged with other providers or transferred elsewhere. Moving does at times include outsourcing to external trustees or new administration services for potentially greater efficiency and better administration.

It may just be that you have moved home several times over the years and the annual statements have failed to keep up.

Help trace my Pension:

Other reasons that you can lose track is because, companies can change names, go into administration or sell to a competitor.

Wrong addresses, plans in maiden names and administration errors are just some of the additional reasons people have lost a pension.

The good news is that we are happy to help and maybe now you are only four steps away from being reunited with your asset!

Step 1 - Identifying Your Requirements:

It’s always good to have reasons for undertaking a process of discovery; it definitely helps you to stay motivated during the search:

1. So maybe you are not far off retirement and you need to track the asset down so that you can calculate your potential future income.
2. Maybe you remember you had something, somewhere and wouldn’t want to forget altogether in the future.
3. Maybe you are just spring-cleaning and you know it’s important to get your financial affairs in order.
4. Maybe you are searching because someone is deceased and you’re helping to tidy up their money matters.

Step 2 - Making Progress:

The next task is to pinpoint exactly where you can uncover any specific information that will be helpful.

So you have done the obvious things - searched high and low, turned the finance box upside down and have not been able to locate the documents.

You may recollect whether your employer set it up (company scheme) or in fact you made plans yourself (personal arrangement).

Maybe you’ve spent hours tossing and turning, trying to remember the dates of your employment or who you originally took the advice from?

If you have the name of your old employer or the company you believe you invested in then that will definitely be of use. You may even have some old documents with out of date provider details and disconnected phone numbers.

If you are frustrated by being unable to locate anything of substance, don't worry - we can use your name, date of birth & national insurance number as effective pension tracking devices.

Following your initial sifts, if you’re simply bored, frustrated or too busy and would rather someone else do the pension detection, we are happy to help, simply fill out the on-site form.

Step 3 - The Discovery Process:

Now it's time to put what we have under the magnifying glass and begin to connect the dots.

Having received your available details we will devise a targeted process. This involves appointing a professional that knows where to look and who to speak to. They will put together a pinpointed strategy including emails & letters, while making determined telephone enquiries.

Really, we adopt a “whatever it takes” mentality while delving, enquiring and uncovering what matters on your behalf.

Step 4 - Success:

One simple word sums it up, success! In short, success is unearthing helpful details, then finding your lost pension arrangement.

Giving you peace of mind by successfully reuniting you, directly with your valuable asset.

Do take the time to get started now by leaving your details here. We look forward to guiding you every step of the way.

Potentially Helpful Resources:

Pension Tracing Service is a limited service that will provide the address of your provider if they can. All ongoing enquiries are left up to you www.gov.uk/find-lost-pension

The Pensions Advisory Service is also available to help and all the information they offer can be found via this link www.pensionadvisoryservice.org.uk/finding-a-lost-pension

Contacting an old work colleague may prove fruitful if he or she were possibly in the same scheme. It may sound odd but even educated guessing can be beneficial when looking for the first clue. In fact why would you want to leave any stone unturned?

For - setting up a new pension, reviewing your pension, approaching retirement, looking into auto enrolment, and buying your annuity or entering income drawdown

Annuities: Immediate Vesting Personal Pension Plan (IVPPP) - Compulsory Purchase Annuity (CPA) - Purchased Life Annuity (PLA)

Free online quotes available to source the products and providers with the best rates and deals

Income Drawdown / Unsecured Pensions

When approaching retirement and thinking about going into income drawdown it is important to take independent financial advice.. If you take an annuity young (especially in early retirement) income may be significantly lower than if you went into Drawdown and took the annuity later. You must balance risk and reward as with all investment decisions. Income from drawdown is at the mercy of fund performance so it is normally best if you have other forms of income. Take advice!

 

Income Drawdown

Company Pensions, Auto Enrolment/NEST

Company pension reform means rules is changing how employers must run their pension scheme. Auto enrolment/Nest are being phased in and mean compulsary employer contributions and that pension plans will need a default fund. The Government is shifting the responsibility for pensions from public funds to the private sector. Company pension plans will need to meet many new criteria. Non-compliance will be the result in penalties and fines.

 

Auto Enrolment

Annuity Providers and Best Retirement Annuity Incomes

Annuities normally provide a 25% lump sum and a retirement income. Annuity providers compete on rates meaning that the best annuity quotes may provide 40% more than your pension provider is offering. Annuity Tables and calculators can help you get the best annuity. UK Annuity advice can ensure you are comparing like with like, and choosing the right type of annuity ie Immediate Vesting Personal Pension Plan (IVPPP), Compulsory Purchase Annuity (CPA), Purchased Life Annuity (PLA).

 

Annuities

Reviews of Pension Performance/ Transfers

Pension fund performance depends on the growth of the funds and the amount of charges coming out. When looking at a pension transfer a financial adviser will review a forecast of what your funds should be at retirement age against like for like forecasts from other providers on the open market. Defined benefits and guarantees often mean a pension calculation of this type is irrelevant as you could be transferring guarenteed retirement income for a more risky proposition.

 

Pension Transfers

Self Investment Personal Pensions (SIPPS)

Self Invested Personal Pensions (SIPPS) are pension plans that are self managed by an individual (often with backup from an IFA). They are a tax efficient pension wrapper that can purchase commerical property, overseas property, Life settlement and other investments outside the scope of personal pensions. An online platform is normally used to enable the SIPP holder to buy "their" best SIPP investments. SIPP providers must follow SIPP rules but pension pots can be invested more widely in SIPPS than most other retirement vehicles.

 

SIPPS

New Personal Pension- Planning for Retirement

Personal pensions are a means of retirement planning where you make pension contributions during your working life to provide you an income in retirement. Pension payments attract tax relief to encourage private retirement planning. Setting up a new pension can be very easy. Get advice from an IFA about the best pension for you and how much you should be contribution. With the state pension age rising, and the black whole in the United Kingdom public coffers it is important to take responsibility for your pension provision.

 

Personal Pensions

Pensions & Annuities

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Testimonials

I am new to London and was looking for an IFA that I could trust with my money. I was referred to a great chap who is on the ball.

I had so many pension questions. To be honest I didn’t even know where my company stood legally. I am now in a much better position, with the information and contacts that I need to meet my legal obligations.

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