Pension advice

How can we help?

If you are saving into a pension, or want to start, then we will help you pick the right pension company, guide you on how much to invest each month, and design a portfolio of funds for your money to go into.

If you are about to retire, or want to take money out of your pension funds, then we will advise you on how to use tax free lump sums, income drawdown and lifetime annuities to get the best possible income, while ensuring you pay the least tax possible .

Whatever position you are in, we will check that you are paying as little as possible in charges, and that you are taking the right level of risk with your pension investments.

We advice on the following areas, among others:

  • Stakeholder and personal pensions, including SIPPs
  • Transferring a final salary pension into a flexible personal pension
  • Consolidating and transferring pensions
  • Income drawdown, including capped and flexible access drawdown
  • The April 2015 "pension freedom" regulations
  • Tax efficient income withdrawals
  • Old pensions with guaranteed annuity rates, enhanced tax free cash and other benefits
  • Lifetime annuities, including enhanced annuities
  • Issues relating to the lifetime and annual pension saving allowances
  • Pensions in divorce

Why choose Wendy Cochran Independent Financial Advice?

Wendy Cochran IFA is based in Dunfermline, Fife but offers pension advice to clients across the UK. Wendy works closely with Matthew Harris, a IFA based in Edinburgh and Fife. We pride ourself on offering a friendly and efficient service, at a fair, transparent price, while ensuring that you understand our advice clearly.

Together we offer independent, unbiased and FCA-authorised pension advice, based on decades of experience in financial services, including many years investing hundreds of millions of pounds of client pension assets in the financial markets.

We will assess your situation in a free initial consultation, by phone or face to face, and will then research the best solution for you before providing a recommendation. You will pay no charges for our service without being asked to confirm in advance that you are happy to pay them.

Get in touch today for an initial consultation.

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Independent pension advice, Dunfermline Fife IFA

Regulated by the Financial Conduct Authority (FCA no. 603653). Free initial review.