Pension Planning Advice

People invest in pensions for years without knowing if they’re in the right scheme, contributing enough, or getting the growth needed. We cut through the confusion, uncover risks, and get your pension working as hard as your ambitions, with strategies for complex wealth, cross-border assets, and business interests.

Pensions That Perform With Purpose

When you have multiple schemes, varying contribution histories, and rules that change with every budget, it can be difficult to see how your pensions truly fit into your long-term plans. We go beyond checking balances and chasing returns, examining charges, investment choices, and structural efficiency to reveal where you could be getting more from what you already have. From unlocking overlooked tax advantages to aligning risk and growth with your wider wealth strategy, we make sure every element of your pension is working in unison to strengthen your future position.

Whether you’re an expat navigating multiple jurisdictions, a business owner balancing corporate and personal wealth, or a high or ultra-high-net-worth individual with complex cross-border assets, we design pension strategies built around your unique circumstances and ambitions.

Comprehensive Pension Planning & Review

We start with a full audit of every pension you hold, whether that is a workplace plan, personal pension, private pension scheme, or international equivalent. Your dedicated pension adviser will analyse performance, charges, and investment choices, giving you independent pension advice that is clear, actionable, and completely unbiased. The goal is simple: to ensure every element of your pension planning supports the best way to save for retirement in line with your goals.

Consolidation & Transfer Strategies

Over time, it is common to accumulate multiple pensions. We provide expert pension advice on whether to combine them into a single plan, keep certain pots separate, or transfer to a more efficient structure. For those with defined benefit or complex arrangements, we weigh the value of existing guarantees against the benefits of flexibility and growth. Our pension financial advisers are also experienced in international transfers, ensuring cross-border moves comply with all regulations while protecting your wealth.

Contribution & Funding Optimisation

Maximising what you put in is essential for the best pension plan. We design tailored contribution strategies for employees, directors, and the self-employed, including the best pension for self employed professionals, making full use of allowances, tax relief, and salary sacrifice where available. By aligning contribution levels with your income patterns and objectives, our pension advice service ensures your money is working as hard as possible from the moment it is invested.

Cross-Border & Tax-Efficient Pension Advice

For clients with assets, income, or residency in more than one country, we deliver independent pension advice that navigates complex tax rules across jurisdictions. This includes structuring contributions and withdrawals to minimise tax liabilities, avoid breaching annual or jurisdiction-specific limits, and make the most of inheritance and estate planning opportunities. Whether you live in the UK or abroad, our pension advisers ensure your pension planning is internationally efficient.

Global Investment Alignment

Your pension’s investment strategy should match your risk profile, time horizon, and personal values. We review your holdings, recommend adjustments, and can integrate ESG or ethical funds if they fit your vision. This is not a set-and-forget approach, it is active, strategic pension planning that keeps your personal pension or private pension scheme positioned for long-term growth, wherever life takes you.

Ongoing Monitoring & Proactive Review

Pension rules, markets, and personal circumstances change. That is why our pension financial advisers provide regular reviews, adapting your strategy to new opportunities, legislative updates, or shifts in your plans. By keeping your pension planning responsive, we make sure you are always on track for the best retirement plans possible, supported by expert, unbiased pension advice at every stage.

Growing Your Pension, Securing Your Future

Without the right strategy, pensions can underperform, lose value to unnecessary fees, or miss opportunities to grow in line with your goals. We focus your pension planning on performance with purpose, ensuring every contribution, investment choice, and structural decision works toward the retirement you want and the financial legacy you intend to leave.

For Those Who Expect More from Their Pensions

We partner with clients who take their wealth seriously and want their pensions to meet the same standard.

Expert pension planning and independent pension advice to optimise, protect, and grow your pensions. For the retirement you deserve.

Individuals seeking expert analysis to fine-tune and maximise existing pension arrangements

Expert pension planning and independent pension advice to optimise, protect, and grow your pensions. For the retirement you deserve.

High and ultra-high-net-worth clients with complex, multi-jurisdiction or multi-pot pensions

Expert pension planning and independent pension advice to optimise, protect, and grow your pensions. For the retirement you deserve.

Self-employed professionals looking for the best pension for self-employed while optimising tax efficiency

Expert pension planning and independent pension advice to optimise, protect, and grow your pensions. For the retirement you deserve.

Globally mobile clients and expats navigating cross-border pensions and regulatory differences

Expert retirement financial planning and pension advice to align your wealth with the life you want, wherever you are in the world

Those who value independent, unbiased pension advice with full transparency

Your Life. Your Wealth. Your Reward.

Your pension is the culmination of decades of work, decisions, and dedicationthe financial foundation that should allow you to live the life you’ve envisioned. Whatever that future looks like, from freedom to travel, time with family, or pursuing new ventures, your pension must be ready to support it. Effective pension planning means putting the right structure in place well in advance so your personal pension, private pension scheme, or international arrangements are all working for you long before you need them.Pension advice should never be left to guesswork, outdated schemes, or generic solutions that fail to reflect your unique circumstances. Wealth can be grown. Risk can be managed. Opportunities can be seized. With independent pension advice from an experienced pension adviser, every element can be aligned to deliver the best retirement plans possiblefrom selecting the best pension plan for your goals to maximising contributions and managing investments.Whether you’re looking for the best pension for self employed professionals, optimising a private pension scheme, consolidating multiple pots, or seeking unbiased pension advice for complex cross-border arrangements, we ensure your pension is positioned for growth, efficiency, and long-term security.We’ll protect you against unnecessary risk, while finding the best way to save for retirement.We make sure your pension is as effective, resilient, and ambitious as the life and career it represents.

FAQs

Pension planning often raises questions that go beyond generic guides or one-size-fits-all advice. Whether you want to optimise a personal pension, choose the best pension plan for self employed professionals, review a private pension scheme, or simply get independent pension advice you can trust, clear answers matter. These are some of the most common questions our pension financial advisers hear from clients seeking the best way to save for retirement.

Pension planning is the process of structuring, managing, and optimising your pension so it supports your long-term goals and lifestyle in retirement. It covers everything from choosing the right personal pension or private pension scheme to maximising contributions, managing investments, and ensuring tax efficiency. Without expert pension advice, you could face unnecessary fees, underperformance, or missed opportunities that reduce the value of your retirement savings. Working with an experienced pension adviser helps you build a strategy that grows your wealth, protects against risk, and delivers the best retirement plans for your circumstances.

The ideal contribution level depends on your age, income, career stage, and the retirement you want to achieve. A pension financial adviser will calculate the contribution rate needed to reach your goals while making full use of tax reliefs and allowances. For many clients, especially higher earners and business owners, pension planning includes strategies such as salary sacrifice, employer contributions, or carry forward rules to boost funding efficiently. Regular reviews of your pension advice service ensure your contributions remain aligned with your evolving goals.

Consolidating multiple pensions into one personal pension or private pension scheme can simplify management, reduce charges, and give you greater control over investments. However, some pensions hold valuable guarantees or protections worth keeping. Independent pension advice is essential before making this decision, as a qualified pension adviser will assess each scheme, compare benefits, and recommend the approach that delivers the best pension plan for your needs without losing important entitlements.

The best pension for self employed professionals depends on income patterns, business structure, and long-term objectives. Options include personal pensions, stakeholder pensions, and self-invested personal pensions (SIPPs) for those who want more control over investments. A pension financial adviser will help you choose a flexible, tax-efficient plan, set optimal contribution levels, and integrate pension planning into your wider wealth strategy so you can build the best retirement plans despite not having employer contributions.

Tax efficiency is a key part of pension planning. This may involve maximising your annual allowance, claiming the full tax relief available, using carry forward provisions for unused allowances, and structuring withdrawals to minimise income tax in retirement. For clients with assets in multiple countries, an independent pension adviser can coordinate tax strategies across jurisdictions. Effective pension advice ensures you keep more of what you’ve built while staying compliant with all relevant rules.

For most people, a pension remains one of the best ways to save for retirement because of the tax advantages on contributions and the potential for long-term growth. However, the right mix of pension and non-pension investments depends on your goals, tax position, and desired flexibility. A pension advice service will assess your entire financial picture, from personal pensions and private pension schemes to ISAs, property, and other assets, ensuring your retirement plan is balanced, diversified, and built around your needs.

Look for a pension adviser who offers independent pension advice, meaning they can recommend products from the whole market rather than being tied to one provider. They should be fully regulated, transparent about fees, and able to explain their recommendations in clear terms. The right pension advice service will take the time to understand your goals, review your existing pensions, and provide unbiased pension advice that focuses solely on achieving the best pension plan for your circumstances.

Secure the Pension You’ve Earned

Speak with an experienced pension adviser today and discover how tailored pension planning can help you achieve the retirement you want.

Forest Wealth