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We consider it highly important to maintain a good quality standard of living after retirement and with this in mind believe that it is vitally important to contribute to a pension arrangement.

Pensions are currently one of the most tax efficient ways of saving for later years and it is never too early to start.  JEM Financial Planning provide pension planning for both companies and individuals, with advice tailored to satisfy future needs.  We can advise on and arrange regular monthly contributions, lump sum payments or a combination of the two.  Unlike some other organisations, we do not have a minimum amount of payment and are therefore able to cater to everybody's budget.

If you are at a point where you’re thinking of retiring, we can analyse your pension situation and advise on the options available to you.

Our areas of advice includes the following:

  • Stakeholder, Personal Pensions & Individual Pension Plans

  • Company Pension Schemes

  • Self invested Personal Pensions (SIPPs)

  • Pension Transfers & Consolidation (for Money Purchase Arrangements)

  • Annuity products

  • Flexible Access Arrangements

  • Help and guidance with regard to the Basic State Pension 

Please do not hesitate to get in touch with us for further details or to arrange a free initial no obligation discussion. The rules around pension benefits have changed dramatically over the last few years and it is vitally important that you are aware of the options that are available to you.

If you would like to check your State Pension benefits then simply click here


Always remember that the value of your investment can go down as well as up and you may not get back the full amount invested.


As Independent Financial Advisers we are able to give you unbiased and relevant financial advice whatever your circumstances from the whole of the Financial Services marketplace.​  The first meeting that we have with any new client is always carried out at our own expense and there is never any obligation for you to deal with us further, giving you total peace of mind.

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