Looking for a Waterlooville retirement advice specialist near you that can help with your retirement plans? Our retirement planning specialists can help you make the most of your retirement fund. If you’d like to understand your options at retirement and maximise your money contact us for a free, no-obligation chat.


Waterlooville is one of the best places the UK to retire. Known for its array of sports clubs, activities, pubs and cafes, parks and churches, it offers so much to retirees. But a comfortable retirement doesn’t come cheap, and you’ll need a solid retirement plan to make sure you can enjoy the kind of retirement you deserve.


You have lots of options at retirement and you can access your money in a number of ways. Our Waterlooville retirement planning service will help you make the right decisions about how much money to take and when, so you don’t run out of money too soon, or end up paying too much tax.



From our base we offer face-to-face retirement planning advice for people in Waterlooville and Hampshire.

We are happy to visit you at your home or office or you can arrange to visit us at our offices next to Southampton International Airport

If you’re not local, we also offer a personalised 1-to-1 service for clients across the UK and the rest of the World via Skype, phone and email.

We are regulated by the Financial Conduct Authority and specialise in UK-based pensions, but offer global investment portfolios.


If you’d like to find out more about tax-free lump sum withdrawal  from your pension, including when and how you can access your money, we’ve created a complete guide to your tax-free cash. We’ve also created a list of the best pension lump sum tax calculators available.

If you’re after personalised advice then our pension specialists are on hand to help. Schedule a free discovery call today.

Speak to a specialist


The best retirement planning advice is to start early! Plan early and save early. We offer bespoke, independent and unbiased financial advice that is tailored to you and your family. If you’re in Waterlooville, you are welcome to visit us at our Southampton offices and but we are also happy to visit you at home or your office for your convenience.

Under the new flexible pension freedom rules, you can now mix and match various options, using different parts of one pension pot or using separate or combined pots. With our Retirement Strategy Planning, we’ll look at your goals, wants and needs and then find the best way to meet these.

Your personalised Retirement Plan will include a plan for how and when you plan to access your pension pot/s and how your money is invested throughout your retirement to make sure you:

  • maximise your investment returns,
  • don’t pay more tax than you need to
  • and you don’t run out of money when you need it the most

N.B. If you’re married, it’s important to include your partner in your retirement plan discussions.


We offer a range of free retirement planning calculators and tools designed with the UK market in mind. Most calculators that you find will work with US stock market information but we have designed our own bespoke Pension Drawdown calculator that uses UK stock market data from the last 100 years to show you how long your money will last.

If you want to know how much your pension pot might be worth use our UK focused Pension Forecast calculator , which again, uses UK data to give you a clearer picture of how your pension pot might perform in UK maket conditions.

And if you want to know how much you need to retire, our retirement cost calculator uses costs from UK sources to help you plan your retirement. You can also check out our guide on How much do I need to retire? and our article on What’s a good retirement income?

We also have a Life Expectancy Calculator, that uses Office of National Statistics data for UK life expectancy.


If you feel like you need a second opinion on your retirement plans, we are happy to provide an expert appraisal to make sure you’re on track to meet your goals. Whilst investing is a long-term strategy, it is important to look at your pensions and investments regularly to check they are on track to meet your goals. We provide quarterly rebalancing for our customers and depending on the service you choose, either 6-monthly or annual in-depth reviews.

As markets change, your investments and pensions may need to be tweaked or moved to keep your money working hardest for you.

Good habits would be to:

  • Ensure your investments are diversified
  • Check your investments are invested in line with the amount of risk you are comfortable
  • Check that your investments are suitable for your circumstances and goals.
  • Check you are aware of and comfortable with the charges your pension/investment product is charging you.

It’s important to remember that Investments that offer the possibility of high returns often also come with a high-level of risk attached. Investments vary from High to Medium to Conservative levels of risk and the risk profile that’s right for you will depend on your own appetite for risk.

The risk of investments can change over time, sometimes dramatically. So what is right for you now, may not be right for you in the future.

If you’re not sure where your Risk Appetite/Tolerance lies, speak to a financial adviser.

Our Pension and wealth management specialist can help assess your investments and, if required, suggest tax-efficient ways to invest and suitable products for you.


As pension transfer specialists, we hold specialist pension qualifications and undergo in-depth pension training, so you can be sure you’re getting the best pension advice there is. We also hold the Pension Gold Standard for our pension advice. We are authorised to offer advice on a wide range of pension schemes so whatever type of pension you have or are looking for, we can help:


Your pension will most likely be one of your biggest assets in retirement, so it’s important to make your money work hard for you. With our Retirement Planning service we can help you plan to maximise your pension by ensuring that

  • your pension offers value for money i.e. you’re not paying too much in charges
  • You choose investments that perform well in the market
  • It’s invested in an effective way and in-line with your risk profile
  • you access your money tax-efficiently
  • you don’t take too much money, too soon

You can still have access to regular income or lump sum withdrawals, but this way you should see growth in your investment [Capital at Risk].

We offer a FREE, no obgligation initial call to discuss your requirements, why not contact our friendly team today?


You’ve worked hard for your money, so it’s important to know what’s going to happen to it when you’re gone.

One of the great tax advantages of a Self-invested personal pension or SIPP is that they allow you to bypass inheritance tax by passing on wealth via your pension to your beneficiaries on your death. Your beneficiaries can normally choose to take the pension fund as a lump sum or leave it invested in a SIPP.

The tax treatment of death benefits paid from your pension depends on two factors:

  • Your age when you die.
  • Whether or not the pension funds are ‘designated’ to your beneficiary within two years – designating the funds just means transferring them into the beneficiaries’ names.

Death before age 75Death after age 75
  • If you die before your 75th birthday and your pension funds are ‘designated’ to your beneficiaries within two years they will be paid tax-free.
  • If your beneficiaries choose to take income from the fund they do not need to take the money out within the two-year period but can wait and take income when required. The tax treatment is the same regardless of whether the beneficiaries opt to take a lump sum or income.
  • If you live beyond your 75th birthday, or if you die earlier but your pension funds are not designated within two years, then the death benefits will be taxed.
  • Whether your beneficiaries take the benefits as a lump sum or designate them to provide an income, they will be taxed as income.
  • If your beneficiary is not an individual, for example, you have nominated a trust, then benefits will be paid as a lump sum, and this is taxed at 45%.
  • Payments to a charity on death over 75 will not be taxed provided you have nominated the charity and you have no surviving dependents.


Retirement planning doesn’t have to be stressful, in fact, our meetings could be something to look forward to. Let us take on the heavy lifting and leave you with peace of mind and a solid plan in place.

We offer a free 20 minute discovery call with an independent financial adviser and pension specialist so that you can decide if we’re the right fit for you.

Schedule a time that works for you here.


2020 Financial Ltd, International House, Southampton Int’l Business Park, George Curl Way, Southampton, SO18 2RZ

Call: 02380 981161

email: [email protected]

Appointments by prior arrangement only. Home visits also available on request.


We do things a bit differently around here… there’s no stuffy old suits and hard sales. Our mission is to educate, empower and most of all to help you reach your goals. Because, when you’re confident with your financial plan, you won’t lie awake at night worrying about money.

Our customers like to stay informed, so we work with the latest technology to make that possible. Of course, you’ll have the normal face-to-face meetings with your dedicated advisor but you can also track your Pension and investments from your phone, tablet, desktop or even your smartwatch 24/7.

Find out more


  • Pension Transfer Specialists since 2007

  • Experts in Defined Benefit Pension Transfer

  • FCA Regulated, Independent Advice

  • 5* Rated Customer Service




It should only take a few seconds to send us your details and arrange your free consultation. 

Join the hundreds of happy 2020 Financial customers looking forward to their dream retirement.