Pension Planning Advice
We help Cardiff small business owners and sole traders build a pension plan that actually works for them. Whether you're self-employed, running a limited company, or approaching retirement, we'll show you how to make the most of your money without the jargon.
Everything under Pension Planning Advice
From starting your first pension to planning how you'll access it in retirement, we cover every stage of pension planning for small business owners and the self-employed across South Wales.
Self-Employed Pension Setup
Helping sole traders and freelancers open and fund a pension that fits around irregular income.
Company Director Pensions
Tax-efficient pension contributions for limited company owners, balancing salary and dividends.
Pension Drawdown Planning
Creating a sustainable income strategy when you're ready to access your pension savings.
Pension Transfer Reviews
Independent advice on whether transferring an old workplace or personal pension makes sense for you.
How we help you plan for retirement
Pension planning doesn't need to be complicated. We work with small business owners across Cardiff and South Wales to build retirement plans that make sense for how you earn, what you want later, and how much tax you're comfortable paying now. Whether you've never started a pension or you're five years from retiring, we'll sit down with you and explain your options in plain English.
Most of our clients are sole traders, company directors, or owner-managers who've spent years building their business but haven't had time to think about their own future. You might have old workplace pensions sitting untouched, or you're not sure if you're putting enough aside. We start with a free one-hour consultation to understand where you are now, what you want retirement to look like, and what's getting in the way.
We show you exactly how much you need to save, and how to do it without derailing your cash flow.
More information
From there, we'll recommend a pension strategy tailored to your situation. For limited company directors, that often means salary-sacrifice contributions or employer payments that reduce your corporation tax and national insurance. For sole traders, it's about finding a personal pension that fits around irregular income and gives you flexibility. We also help clients approaching retirement work out the best way to access their pension, whether that's drawdown, an annuity, or a mix of both.
We handle all the paperwork, liaise with pension providers, and set everything up for you. Once your plan is in place, we'll review it regularly as your business and personal circumstances change. That might mean adjusting contributions when you have a good year, or rethinking your strategy if tax rules shift.
What's included in our pension planning service
- Initial consultation to assess your current position and retirement goals
- Analysis of existing pensions and whether consolidation makes sense
- Recommendations on contribution levels and tax-efficient structures
- Support with setting up new pensions or transferring old ones
- Ongoing reviews to keep your plan on track as life changes
Because we're based in Cardiff and work almost exclusively with small businesses in South Wales, we understand the local landscape. We know what it's like running a salon in Pontypridd, a trades business in Newport, or a retail shop in the city centre. Your pension plan needs to fit around the reality of your business, not the other way around.
Pension planning isn't about picking the perfect product. It's about making consistent, informed decisions over time.
One of the biggest concerns we hear is whether people are saving enough. The honest answer is that it depends on what kind of retirement you want, when you want to stop working, and what other income or assets you have. We'll run the numbers with you and show you different scenarios, so you can make a decision that feels right. There's no hard sell, no pressure to max out contributions if that doesn't suit your cash flow.
Another common worry is tax. Taking money out of a pension has different tax implications depending on how you do it, and the rules have changed a lot in recent years. We'll explain your options clearly and help you structure withdrawals in the most tax-efficient way, especially if you're still earning from your business or have other income.
If you've been putting pension planning off because it feels overwhelming or you're not sure where to start, we're here to make it straightforward. Book a free consultation and we'll talk through your situation with no obligation.
Worth considering
Wealth Management Support
Ongoing Wealth Management Support to help you set goals, plan tax-efficient drawings, build cash reserves, and track progress with simple reports and reviews.
Wealth Management Support→Before you book
These are the questions we hear most often from small business owners thinking about pension planning.
Do I need to start a pension if I'm self-employed?
How much should I be contributing to my pension?
Can I use my limited company to pay into my pension?
What's the difference between drawdown and an annuity?
Should I transfer my old workplace pensions?
How often will we review my pension plan?
Do you charge for the initial consultation?
Are you regulated to give pension advice?
Let's talk about your pension
Book a free consultation and we'll help you build a retirement plan that fits your business and your life.
Book a free consultation