Think Pension, Think Longhurst, Part 3

Longhurst Limited

19th November 2018

Think Pension – Think Longhurst

This article forms a five-part series where I explore the world of pensions.

Yes you read that correctly; head-line grabbing, tax efficient, adventure initiating, and dare I say, very exciting PENSIONS.


The filing cabinet effect

A lifetime of working hard, saving carefully, and raising a family often results in one likely outcome, a filing cabinet full of paperwork that you’ve collected but with no real idea of what it all means and it’s material value to you and your future.

Within this paperwork is likely to be a collection of personal pension plans, most likely ex-employer schemes, including stakeholder pensions, that are sitting there redundant of any real attention.

What does it all mean?

It’s probable that you have no idea as to whether these pension plans are going to provide you with the retirement income that you need. You may even be in the camp of not actually knowing how much you need to have saved to provide you with a comfortable retirement.

If this sounds like you don’t despair, we offer a Personal Pension review service designed to help you get better organised, well ahead of your chosen retirement age.

The option to consolidate

Taking into account your needs, circumstances, and preferences, we may be able to simplify and streamline all of your historic pension plans into one cohesive joined-up retirement strategy, reducing your paperwork, and providing you peace of mind. Certain Personal Pensions may have valuable benefits such as guaranteed annuity rates and so a recommendation may also involve keeping what is assessed to be suitable.

Any agreed retirement strategy will be engineered to focus on your personal situation today, your future retirement income needs, and most importantly, your aspirational lifestyle goals. A dignified lifestyle where you live in comfort and happiness; how good does that sound?


If this article raises spikes an interest, or raises a question, please let me know.

All discussions are confidential and initially held at my expense. 

Part four of this series focuses on Small Self Administered Schemes, or SSAS for short.

Think Pension, Think Longhurst.

Chris Broome FPFS is owner and Chartered Financial Planner at Longhurst. Longhurst are an STC member firm of lifestyle financial planners and independent financial advisers based on Silverstone Park. Chris is a Pension Transfer Specialist and holds advanced qualifications in this area of advice.

We’re also the folks behind the Inside Silverstone business podcast, so get in touch if you’d like to appear on the show!




T: 01604 210636

M: 07793 841654


A pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. 

Information is based on current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

The value of your investment can go down as well as up, and you can get back less than you originally invested.

By transferring your occupational pension scheme benefits into a personal arrangement, you may be giving up rights to guaranteed benefits, known levels of pension income and increases that will be applied in the future.

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Enjoy all the benefits being a member brings and register your interest here.

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