Whether you are just starting out or about to retire, pension advice is vital at every stage of your career. With people living and working for longer, retirement planning needs to be focused, realistic and a key element of your overall financial plans.

SFS offers a comprehensive service to employees, the self-employed and to companies

We identify and explain, in plain English, important issues to consider in order to help you make an informed decision

We review existing pension arrangements and report on how these may or may not fit with your objectives

We provide specialist advice to individuals approaching retirement and thereafter manage/regularly monitor the pension portfolio until the eventual purchase of an annuity (if ever).

We provide advisory/technical support to divorce lawyers and their clients, whether they are receiving a pension share or giving up pension entitlement as a consequence of a pension sharing order

SFS provides advisory support to employers and their staff on a range of employee benefit schemes