Pensionlite

Business Details

18 Years

experience

Your Trusted Financial Advisers in Telford

We are a team of financial advisers dedicated to helping clients across the UK build and protect their financial future. Established in Telford, Shropshire in 2008, we provide tailored financial advice to individuals at every stage of their wealth journey, from those with multiple small pension pots to high-net-worth clients with complex investment portfolios. Our core expertise lies in retirement planning, though our team also specialises in wealth management, tax planning, defined benefit pension transfers, inheritance tax planning, and company pensions. As a Chartered Financial Planner, we maintain the highest industry standards, undergoing rigorous assessments by the Chartered Insurance Institute to ensure exceptional client outcomes.

Our advisers come from diverse financial services backgrounds, each bringing specialist knowledge to match clients with the most suitable adviser for their needs. We prioritise transparency, ethical practices, and client-centric solutions, operating as an Appointed Representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Our combined experience exceeds 140 years, which we apply to every case to deliver informed, reliable advice.

Services

Pension Transfers Pension Drawdown Wealth Management Protection & Insurance Tax Planning

Details

Year established: 2008

Highlights and features

We are a Chartered Financial Planner with rigorous industry accreditation
Our advisers have combined experience exceeding 140 years
We specialise in complex pension transfer and retirement planning
We operate as part of the Quilter Financial Planning network
We prioritise client-centric solutions with full transparency

Associations and certifications

Chartered Financial Planner

Website

Update Listing

Services

Defined Benefit Pension Transfers

Defined Benefit Pension Transfers involve moving funds from a guaranteed final salary scheme to alternative pension arrangements. This complex process requires specialist advice due to regulatory requirements and financial risks. Our Chartered Advisers assess eligibility based on pension value, retirement plans, and individual circumstances. We provide comprehensive guidance through the entire transfer process, from initial consultation to final implementation, ensuring compliance with Financial Conduct Authority regulations. Our team specialises in navigating the technical requirements while maintaining focus on clients' long-term financial security.

Pension Drawdown

Pension Drawdown allows flexible access to retirement funds while maintaining investment growth potential. Clients can take tax-free lump sums and regular income while retaining control over their remaining pension pot. We help clients understand the risks and benefits of maintaining invested funds versus guaranteed annuity options. Our advisers assess individual circumstances to determine optimal withdrawal strategies that balance financial security with investment risk. We provide ongoing portfolio management to ensure sustainable income throughout retirement while complying with HMRC regulations.

Wealth Management

Wealth Management encompasses comprehensive financial planning for long-term asset growth and protection. Our PL Wealth division specialises in bespoke investment strategies, tax-efficient planning, and intergenerational wealth transfer. Services include general investment accounts, ISAs, investment bonds, and estate planning solutions. We focus on creating tailored portfolios aligned with clients' risk tolerance and financial goals. Our Chartered Advisers combine technical expertise with personal service to optimise wealth preservation and growth across multiple generations.

Protection & Insurance

Protection & Insurance services safeguard clients' financial security against unforeseen circumstances. We offer life insurance, critical illness cover, income protection, and relevant life policies tailored to individual needs. Our advisers identify appropriate coverage levels while optimising premium costs through preferential provider rates. We help clients understand policy terms, exclusions, and claims processes to ensure adequate protection. Our approach balances comprehensive coverage with cost-effectiveness, focusing on maintaining financial stability for clients and their dependants during unexpected life events.

Tax Planning

Tax Planning services optimise clients' financial arrangements to minimise tax liabilities within legal frameworks. We specialise in inheritance tax mitigation, capital gains tax planning, and estate structuring solutions. Our advisers develop strategies incorporating trusts, gifting, and investment vehicles to preserve wealth across generations. We stay current with changing tax legislation to provide timely, compliant advice. Our approach combines technical expertise with practical solutions to enhance clients' after-tax returns while maintaining alignment with broader financial objectives.

Questions

What pension transfer services do you offer?

We specialise in Defined Benefit/Final Salary Pension Transfers, providing expert advice for transfers exceeding £30,000, with comprehensive suitability assessments.

How much does pension advice cost?

Fees depend on case complexity and service type, with transparent pricing provided during initial consultations before any commitment.

Are you regulated by financial authorities?

We are Appointed Representatives of Quilter Financial Services Limited, authorised and regulated by the Financial Conduct Authority.

Can you help with retirement income planning?

We offer pension drawdown solutions, annuity comparisons, and flexible retirement income strategies tailored to individual circumstances.

What areas do you cover?

We provide advice to UK residents, with our Telford office serving clients nationwide through phone, video calls, and face-to-face meetings.

How do you ensure quality service?

As Chartered Financial Planners, we undergo rigorous assessments to maintain the highest industry standards for client outcomes.

Reviews (4)

Write a Review

Rob South

Aug 17, 2018 Report

The service has always been very, good with easy to reach reports and information on your pension fund. A pension fund manager is available for more information & advice should this be required, before making any changes to the pension funds. The review periods are well placed, with the reminder making sure that you make the time to check things over on what is a very important investment pension fund.

Chris Hood

Dec 20, 2017 Report

I learned of this company during a transition period between one employer and another. I'd built up several small pension pots and wanted to know if it would be worth combining them. As it turned out, it did and I'm pleased I did so. Their advice has always been sound and my pot began growing faster than I could have expected. Thanks guys

Graham Seston

Nov 12, 2017 Report

I'm confident my pension pot is in safe hands. I experienced an extremely professional and beneficial service from Pensionlite and have found them to be very reliable and efficient. Same day replies to all my questions.
Alex has always been very friendly and everything was explained very clearly to me. The whole pension transfer process was made very easy and with an excellent bedside manner.

Martin Etheridge

Nov 11, 2017 Report

I moved my existing pensions to a Pensionlite several years ago. The initial transfer service was easy, with no pushy sales pressure involved. Pensionlite provided all the information I needed to make my own, informed, decision. They regularly review my plans, which I can also access online, to recommend any changes. At other times they never pester me or try to sell me anything, but I know that if i require further advice, they are only a phone call away. As I approach retirement this is very comforting.