Helping you understand your pensions, plan for retirement, and make confident financial decisions.
Contact an adviser for simple, valuable Pension advice.
At Veracity Financial Planning, we’ve been assisting clients with pension planning since 2009. We offer pension advice on both new pension plans, and can review existing pensions to see if better terms can be secured. As we can offer deals from the whole of the market, meaning we are not restricted to one specific advisor. Our range of specialist pension advisors allows us to find the most suitable plans for you.
A detailed review of your pensions to ensure they're performing as they should.
Combine multiple pensions into one clear, easy to manage plan.
Build a personalised retirement plan based on your goals and lifestyle.
Flexible income solutions designed for your needs and your future plans.
Helping to build a plan so that you can leave your loved ones with security.
Choosing the right adviser is important. See what our clients have said about their experience with Veracity Financial Planning.
Looking for trusted financial planning, investment advice, pension guidance or mortgage advice? Our team is here to help you make informed financial decisions with clarity and confidence. Arrange an initial consultation with one of our advisers today.
Whatever you’re looking for, Veracity Financial Planning has got you covered.
2b Thackeray’s Lane,
Woodthorpe,
Nottingham,
NG5 4HP
For Pension & Investment advice email:
financialadvice@veracityfp.co.uk
For Mortgage advice email:
mortgageadvice@veracityfp.co.uk
0115 967 0888
A pension scheme is a long term, tax efficient savings plan which is designed to give you an income when you want to retire, in addition to the State Pension.
Everyone receives a State Pension currently from about age 67/68 provided they have paid at least 10 years National Insurance Contributions.
A full state pension is £230.25 per week (£997.75 per month) (£11,973 per year) (2025/26) and is achieved if you have paid 35 years of full National Insurance Contributions.
You are allowed to pay in £60,000 gross (£48,000 net) per year to your pension but only if you have £60,000 relevant earnings. (2025/26)
Find out more about pension contributions and what classes as relevant earnings.
There are two main types of pension schemes:-
If you are employed, your employer will offer you a pension scheme when you join.
If you are self employed, a company director, or you own your own Ltd Company, you can start your own pension very easily into which you or your firm can pay into. The earlier you start, the longer the contributions will have to grow and benefit from compound growth.
If you have built up a number of personal pensions it is usually a good idea to look at amalgamating them into one fund as it is much harder trying to manage several different pension funds than managing only one fund and also because older funds will often have higher charging structures and perhaps out of date investment strategies. You need to be a little careful when amalgamating funds because some older funds may have some valuable guarantees that, after consideration, may be worthwhile keeping.
The value of a pension fund can be as much as the value of your home.
Our independent financial advisers are experts in helping you deal with your pensions on divorce and the implementation of pension sharing orders.
