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Make your best years count

Do you feel confused about how to plan for retirement? You're not alone - there are more pension options than ever before for those approaching retirement. Even though it may seem far off, the sooner you begin saving for that future, the sooner you'll be able to enjoy it.

Saving for retirement can be challenging due to the pressures of daily finances. With the help of our trusted pension advisors, you can reach your retirement goals. We offer free consultations. Just 30 seconds are needed to book a time and date that suits your lifestyle.

Why choose us

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Pension advice in 3 simple steps

Book a fee free call

You can schedule a fee free no obligation meeting with an expert pension advisor in less than 30 seconds

We'll call you back

We’ll discuss the options for your very own retirement plan so you can get the income you need when you retire

And guide you through

With a friendly, knowledgeable pension advisor by your side, we’ll help you every step of the way.


Securing you future, today

Putting money aside for retirement is a tax-efficient way to provide income in retirement. It may be possible for you, your employer, and others to contribute to a pension, depending on the type of pension you have. The government also contributes to your pension through tax relief. After reaching 55 or retiring, you have several options for taking your pension income.

Depending on how much you can and want to put aside for retirement, you can contribute to as many pension plans as you like. There are, however, limits to how much you can contribute to your pension each year and over your lifetime.

As pensions are usually invested in stocks and shares, their value can go up as well as down – and you may get back less than you invested. Your pension’s tax treatment will depend on your individual circumstances, and it may change in the future.

Depending on the kind of pension you have, how it works will vary. In simple terms, there are three main things you need to know about pensions:

– Contributions are made by you (and others)
– Through tax relief, the government ‘tops it up’
– Later in life, you will have an income to live off of

If you can, contribute to a pension. After retiring or turning 55 and perhaps working less, you’ll still need an income to live on. You’ll have a better chance of living the retirement lifestyle you’d like if you start thinking about where your income will come from sooner rather than later.

Putting money aside for retirement income is a great benefit of a pension, even if there are other ways to save or invest.

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Make your best years count

Pensions in the UK come in three forms: workplace pension, personal pension and state pension. A pension is determined by your personal circumstances, so getting financial advice is essential. You can count on us to guide you through the entire process.
  • What does an advisor do

    A GHL Direct pension advisor will advise and make a recommendation for you on a pension after we have assessed your needs in detail. Using our live booking form, you can schedule a free pension consultation in under 30 seconds.

    Our team will then assign you a personal advisor who can assist you throughout and after the process, if you so desire.

  • How do I set up a pension

    The first step in setting up a pension is to decide which type of pension suits your needs, depending on your personal circumstances, employment status and financial situation at the time. Furthermore, you will have to decide how much control and input you would like to have over the planning and management of your pension plan.

    Throughout the process, you will be guided by a dedicated pension advisor. He or she will explain everything in detail.

  • What is the state pension

    When you reach state retirement age, you’ll receive the state pension if you have at least ten years of qualifying national insurance contributions or credits and meet other eligibility criteria. National insurance contributions determine the amount you get. Your state pension will then be paid to you for the rest of your life – a guaranteed income.

    State pensions are unlikely to be enough to support the kind of retirement you’d probably prefer, but they can provide a useful supplementary income.

  • How much can I pay into a pension?

    There are two government-set limits on how much you can contribute to your pension. In addition to the annual allowance, there is also a lifetime allowance. If you go over these limits, you might have to pay a tax charge if you exceed them.

  • What happens to my pension when I die

    Age 74 or younger:

    Generally, your pension fund, as at the date of your death, will pass tax free to your nominated beneficiaries if you die before 75. Regardless of whether you have taken pension benefits already, you can usually receive this as a lump sum or in installments.

    Age 75 or older:

    After you turn 75, your remaining pension fund will usually pass to your nominated beneficiaries, who will be taxed at their marginal rate.

    To qualify for this tax treatment, you must distribute funds from your pension fund within two years after your death. 

View our free guides for an easy to read introduction on the financial services we offer.
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A pension is a long-term commitment and it is imperative that you take financial advice from a qualified financial advisor. Once we identify the right product and assuming you’re happy with our recommendation, we’ll work with you to complete the application forms and stay in touch throughout the process – and into the future.