Pensions in Welling

Helping You Understand Your Pension Options Without the Confusion

Whether you’re just starting to plan ahead or already have one or more pension pots in place, understanding your options is key. We support individuals across Welling, Bexleyheath, Sidcup and surrounding areas with straightforward, practical help around pensions — including how to track them, assess their performance, and explore future possibilities.

What We Can Help With

Pensions are a long-term investment, but the decisions you make now can have a big impact later. We offer clear, step-by-step support for:

• 📊 Understanding what pensions you currently have
• 🔍 Locating old workplace or personal pensions
• 🔁 Reviewing your options if you’re thinking about transferring or consolidating
• 💬 Explaining common pension terms and structures
• 📅 Planning around retirement age, income, and access rules

We work with authorised partners where regulated advice is required, ensuring everything stays compliant and transparent.

Who Typically Needs Pension Support

We assist a wide range of people, including:

• Individuals with multiple workplace pensions from different jobs
• People aged 40+ planning for retirement
• Self-employed professionals with private pensions
• Individuals unsure what their pension is worth or how it performs

Whatever your situation, we help make sense of your next steps.

Common Pension Questions

Can I combine multiple pensions into one?

Yes — many people choose to consolidate pensions to make them easier to manage. It depends on the types of schemes, fees, and transfer terms. We’ll help you understand what applies to your situation.

How do I know how much my pension is worth?

You’ll normally receive an annual pension statement. If not, we can help you track it down or request one from your provider.

Can I access my pension early?

You can usually access defined contribution pensions from age 55 (rising to 57). However, early access may affect your future income — we can help explain how it works.

Do I need a financial adviser?

In some cases, yes — especially if transferring from a defined benefit scheme. If that applies, we’ll ensure you’re connected with a regulated adviser.

Why Local Support Matters

Pensions aren’t just numbers — they affect your future lifestyle. We work with individuals across Welling, Sidcup, and the wider area to ensure they understand the choices in front of them.

Whether you’re reviewing old pots, setting up something new, or thinking ahead to retirement, our local, practical approach helps bring clarity.

Why People Choose to Speak With Us

• Clear explanations without jargon
• Support for self-employed and employed individuals
• Connections to authorised partners for regulated advice
• No pressure, no fees to enquire — just helpful insight
• Flexible support whether you’re 10 years or 2 years from retirement

Our aim is to make pensions feel less daunting and more manageable.

Ready to Get Started With Your Pension Planning?

If you’re unsure where to start — or just want a second opinion — we’re here to help. Send us a few details and we’ll be in touch to discuss your goals and what you want to achieve.

• No fees to enquire
• No commitment
• Just clear, friendly support