Pensions & Retirement Planning
Pensions & Retirement Planning
Pensions can seem complicated, with different plans working in different ways and leaving you unsure if they meet your needs.
At Omny Personal Finance, we cut through the complexity to help you understand your arrangements, optimise your set-up, and plan with clarity for the retirement you want.
We create tailored plans that grow with you, giving you confidence that your goals are achievable and the future you want is within reach.
Did you know?
Too many people are underprepared for retirement:
- £55bn is sitting in 2.8m lost pensions, with many savers in danger of losing track of their pensions.
- 93% of savers remain in default funds, and 4.5m younger workers are “triple defaulters” who never change contributions, fund, or retirement age.
- 7 in 10 people withdraw from pensions without advice, risking poor long-term outcomes.
- 1m people face retirement poverty, and only 19% feel prepared for later life.
- Women aged 65+ have average pension wealth of £69k, compared with £205k for men — a 35% gap.
Sources: PPI (2022, 2024); FCA (2024); Aviva (2023); FT (2025); Scottish Widows (2024)
We take a holistic approach to Pensions & Retirement Planning
Reviewing your current pension arrangements
Pension consolidation to simplify and optimise your setup
Investments aligned to your goals and attitude to risk
Exploring options to strengthen your financial position
Bespoke financial modelling to plan with confidence
Frequently Asked Questions (FAQ)
What does the initial meeting cost?
There’s no charge for your initial meeting or presentation. We’ll use this time to understand your goals, share our recommendations, and outline how we can support you going forward.
What’s the benefit of financial advice?
Good advice gives you clarity and confidence. It helps you make informed decisions, structure your finances effectively, and stay on track as your circumstances change. We’ll also help you make the most of your allowances and understand your tax position, so your money works harder for you.
Who should get financial advice?
Anyone who wants to make the most of their money — whether you’re early in your career, changing jobs, growing your wealth, or planning for retirement.
What does ongoing advice cost?
Our fees are very competitive. Our ongoing advice service is 0.5% on advised products, subject to a minimum fee of £240 per year.
Am I locked into the ongoing advice service?
No. If you ever feel you’re not getting value for money, you’re free to leave at any time with one month’s notice.
What happens if I change employer?
You can continue with our service. We’ll review your new situation and provide updated advice tailored to your new role and benefits.
Can my partner also receive advice?
Yes. We offer the same service for partners, and working with both of you allows us to provide more comprehensive advice that reflects your full financial picture.