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More Than Just A Pension Adviser

We offer all aspects of advice on pensions and can help support your decision-making process. Pensions can be an important source of income in later life, and it’s imperative you get the right advice to choose the best options for you.

If you are just starting your journey into looking at options for setting up a new pension fund, or are looking to transfer one, simply speak to one of Elite’s friendly, trusted Independent Financial Advisers. We will be with you every step of your journey.

Providing pension advice in and around Bristol for over 10 years

Pension planning the right way

With Elite Financial Consulting you will always be offered a FREE initial consultation – we want you to be comfortable with your understanding of your situation and choices available.

When you’d like to move forwards, we will discuss and agree a fair, competitive fee for helping to manage your pension provisions.

By working with Elite Financial Consulting, you will have access to our tools and calculators at that can help you understand the impact your pension could have on your retirement.

We remain committed to our customers throughout our partnership and will keep in regular contact with you on the performance of your chosen pension provisions.

Types of Pensions and advice that may be required.

Defined Contribution (DC) Pensions

Often seemed as a pay as you go Pension, this could be a Personal Pension which you have paid into over the years or still regularly pay into, you may be part of an Occupational Pension through an existing work Pension or that you are currently paying into a work Pension.
Discussing whether this is still appropriate to your needs, we can review the plan including the charges, fund options and flexibility for you.

Final Salary Defined Benefit (DB) Pension Schemes

Often a previous work Pension or that you be still paying into one, these Pensions require specialist advice and of which we work closely with one of our Pension Partners, that can provide the advice in this area and of course we will be happy to talk through the options with you.

Self Invested Personal Pension (SIPP)

This would be discussing a Pension that you wish to invest in various asset classes, as opposed to the traditional funds which life companies tend to have available to invest in.

Small Self-Administered Scheme (SSAS)

Falls under the DC Pension regime, and is set up by the employer and is usually available to business directors or senior management and run by Trustees. 

Pension Drawdown or Flexi-Access Drawdown Pension

This is when the time comes to take your benefits from your Pension, such as the Pension Commencement lump sum (Tax Free Cash) and you chose to take an income or leave the funds invested.   This all depends on the amount invested and your plans in retirement and how much income you require. 
We will discuss this with you, taking into account all existing benefits to be paid such as other Pensions and any state pension benefits.  The overall fund will stay invested, so will still be affected by any stock market fluctuations.


This is purchased from a life company, whereby you will use your Pension funds to buy an Annuity, which will pay you an income for life.  You can build in certain guarantees and other flexible benefits, depending on your circumstances and the fund value will not be affected by stock market fluctuations, but careful consideration needs to be given as the income will only be paid while you are alive, and the life company will not return the funds to you, unless you have built in some form of guarantees or a minimum return value.  

Whether you are looking to review existing old pension pots from previous employment or start a brand new one, get in touch with one of our expert advisers today.