Pension & retirement advice · Somerset, Dorset & Devon
Pensions are boring.A belief we should probably retire.
My approach
I got tired of the old way of doing business and built a system that makes life easier for both of us. You fill things in once, everything stays in one thread, and once you have tried it, going back rarely feels worth it.
Pension solutions
Navigate clear, practical retirement guidance from pension planning to consolidation.
Why Choose My Pension Service
Over a decade helping South West residents build secure, confident retirement plans.
Whole of Market Access
I am fully independent and not tied to any pension provider. I search the entire market to find the most suitable pension plans and retirement solutions for your goals.
Complete Independence
restricted Advisers can only recommend from a limited panel. I can access every pension provider, ensuring you receive the right retirement plan with competitive fees and strong long-term performance.
Retirement Planning Expertise
I help you build a complete retirement strategy, including tax relief optimisation, pension consolidation and long-term income planning.
FCA Regulated
Fully authorised and regulated for your peace of mind. Your retirement future always comes first.
What clients say
Rated 5.0 from 73 reviews
“Michael helped my husband and I set up our Life Insurance policies... He was superb throughout and kept us up to date with the various stages along the way. We are now moving our pensions over too ;o)”- Lorraine Eadie
“Michael gave me some great advice and a plan to go forward with... he also promptly replied any questions I had. If I ever need help or advice again I would 100% go back to Michael.”- Chris Dev
“His advise was invaluable. Above all he was compassionate and understanding throughout the process, patient and supportive with those of us with little experience.”- Dave Sinclair
“Really helpful, quick and efficient... For a variety of services brilliant to have some one to talk to and advise on what can be quite confusing matters.”- Mike Male
Pension resources
Expert guides and tools to help you make informed decisions:
Pension knowledge hub
Honest answers to common pension questions.
Is it too late to start a pension?
Never! Even starting in your 50s provides tax relief and growth potential. I help you maximise contributions for your remaining working years.
Can I combine multiple old pensions?
Yes, and it's often wise. Consolidation simplifies management and can reduce fees. I'll review your existing plans to ensure you don't lose valuable benefits.
How much tax relief will I get?
Basic rate taxpayers get 20% automatically. Higher and additional rate taxpayers can claim an extra 20% or 25% through their tax returns. For 2026/27, the standard annual allowance is £60,000, though tapering and money purchase annual allowance rules can reduce this for some people.
Can I access my pension early?
Under current legislation, you can usually access your private pension from age 55 (rising to 57 in 2028). I'll help you plan the most tax-efficient way to take your income.
What happens to my pension when I die?
Unlike the State Pension, private pensions can usually be passed on to beneficiaries tax-free if you die before 75. It's an important part of estate planning.
Are your fees transparent?
Absolutely. We discuss all costs upfront, including advice, platform, and fund fees, so you know exactly what you're paying before any decisions are made.
Ready to take the next step?
Whether you're arranging a mortgage, protecting your family, or planning for the future, I'm here to help you make clear, confident decisions.