Pensions & Investments
We will be able to review your current pension & investment situation
Pensions
Planning for your pension is vitally important, it’s not something you can leave until the last minute. So even though they might not be the most interesting topic, it is important to talk about them.
We’re well aware that pensions talk can be full of off-putting jargon so we’ll try and put everything in plain English that you can understand.
The State Pension age is currently 66 years old for both men and women but will start gradually increasing again from 6 May 2026. We would like you to be able to stop working when it suits you, with the finance in place to support your lifestyle throughout your retirement.
In 2015, the Pensions Freedoms rules were introduced. This means you no longer needed to purchase an annuity with your pension pot, giving you much more flexibility and choice and much better value for money from your retirement savings.
Here at Bright Advice, we’ll help you develop your personal pension plan in the right way that suits you and your future aspirations.
Investments
Taking regular financial advice is an important first step in getting the support and advice necessary to ensure that you have an excellent opportunity to achieve your goals and objectives. But there is more to investing than putting spare cash into an account and hoping for the best.
At Bright Advice, we get to know you before giving any advice. Ideally, you are already our friend. But, even if not, we’ll sit down over coffee and discuss your current circumstances and what you want to achieve through investing.
Once we know all of this, we discuss your attitude to risk and complete an independent risk profile using a system which determines how much risk you are willing to, need to and are able to take.
We use all of the above information to advise you through your investment journey. We will explain the options available and how they work with your needs, or maybe why they aren’t such a great idea for you. Ultimately, all decisions are your own, we just offer an expert, and friendly, opinion.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
Find Your Local Bright Adviser
Much of our advice can be delivered remotely by phone or video but if you would prefer to be talking to an adviser who is based near you please see the areas we cover.
We have advisers based in Cambridgeshire, Bedfordshire, Suffolk, Hertfordshire, Buckinghamshire, Northamptonshire & Lincolnshire.
Fill out the form and your local adviser will be in touch shortly to discuss how we can help.
We're Planting Trees!
Climate change is harming our planet, but if we all make a small change, we can make a big impact.
As we recognise we all have a part to play in protecting our plant, we've decided to plant a tree for each mortgage that completes and every life insurance policy starts with Bright Advice.
Bright Advice
Chester House
63 Cambridge Street
Godmanchester
PE29 2AY
01480 22 22 80
info@brightadvice.co.uk
Bright Advice
17 Church Street
Market Harborough
Leicestershire
LE16 7AA
Lifetime Wealth Management Limited is registered in England and Wales, Company number 04631136. Registered Address: 12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR.
The guidance and information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Approver Quilter Wealth Limited, Quilter Financial Services Limited and Quilter Mortgage Planning Limited 03/09/2024.
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