At ifajonesandco, we believe that private pension advice helps you take control of your retirement planning with tailored guidance on contributions, investment choices, and tax efficiency. For many people, pensions can feel complicated — multiple pots from previous employers, uncertain market conditions, and the challenge of knowing how much is “enough” for a comfortable later life. That’s where our expertise comes in.
Our dedicated advisers work closely with you to review your current situation, assess your options, and create a clear strategy for your future. Whether you are starting fresh or reviewing existing pots, we ensure that every step you take with your pension is aligned with your long-term goals.
Why Private Pension Advice Matters More Than Ever
The modern retirement landscape has changed dramatically in recent decades. With increased life expectancy, fluctuating markets, and shifting government policies, relying solely on a workplace pension or state pension is often not enough.
That’s why private pension advice helps you take control of your retirement planning in a way that’s personal to your needs. By seeking tailored guidance, you can:
- Optimise contributions to make the most of tax relief.
- Choose suitable investments based on your risk appetite and time frame.
- Consolidate multiple pension pots for simpler management.
- Plan withdrawals to maximise income without paying unnecessary tax.
Without expert support, it’s easy to miss opportunities that could significantly enhance your retirement income. At ifajonesandco, our advisers stay up-to-date with the latest pension regulations and market trends, ensuring you receive advice that’s both relevant and forward-thinking.
Tailored Guidance at Every Stage of Your Pension Journey
No matter where you are in life, private pension advice can be the difference between a basic retirement and one where you have the freedom to live the lifestyle you’ve worked for.
- Starting Fresh
If you’ve just begun your career or are self-employed, it’s the perfect time to put strong foundations in place. We help you determine the right level of contributions and select investments that match your long-term ambitions. Even small contributions made early can grow significantly over time. - Mid-Career Review
Many clients come to us with multiple pension pots from different jobs. We assess each one, identifying underperforming investments, high fees, and opportunities to consolidate. This simplifies your portfolio and ensures your money is working harder for you. - Pre-Retirement Planning
As you approach retirement, the focus shifts from growth to income planning. We help you structure withdrawals, explore annuity and drawdown options, and make sure you don’t pay more tax than necessary. - Post-Retirement Management
Even after you retire, your pension needs active management. We provide ongoing monitoring, adapting your strategy to market changes and personal circumstances, so your savings last throughout your life.
Investment Choices That Work for You
One of the most valuable aspects of private pension advice is having access to expert insight on investment choices. At ifajonesandco, we take the time to understand your comfort level with risk, your time horizon, and your financial objectives.
We then create a diversified investment strategy, balancing growth potential with stability. Whether you prefer a cautious approach with steady returns or a more adventurous strategy for higher potential gains, we ensure your portfolio is tailored to you — and regularly reviewed.
Tax Efficiency: Keeping More of What You’ve Earned
Tax rules around pensions can be complex, but they also offer powerful opportunities to grow your wealth. Private pension advice helps you take control of your retirement planning by making sure you take full advantage of available allowances and reliefs.
We guide you through:
- Annual and lifetime allowance considerations.
- Making the most of carry forward rules.
- Structuring contributions for optimal tax relief.
- Planning withdrawals to minimise tax impact.
These strategies can make a substantial difference to the amount you have available in retirement — and to the legacy you may wish to leave for loved ones.
Why Choose ifajonesandco for Private Pension Advice?
Our clients trust us because we combine technical expertise with genuine care. We don’t just focus on numbers; we focus on your life goals, your priorities, and your peace of mind.
Here’s why people choose us:
- Personal Service – You’ll work with a dedicated adviser who knows your story, not a call centre.
- Transparency – Clear fees, no hidden costs.
- Proven Expertise – Years of experience helping individuals, families, and business owners secure their financial future.
- Ongoing Support – Regular reviews to keep your pension strategy on track.
We take pride in offering a great solution for all types of private pension advice, whether you need a quick review of your current pots or a complete retirement strategy from scratch.
Real Client Example
One client came to us with four separate pensions from different employers, all with varying charges and investment performance. They felt overwhelmed and unsure if they were on track for the retirement they wanted.
After a thorough review, we consolidated their pots into a single, cost-effective plan with a diversified investment mix tailored to their needs. We also structured contributions to maximise tax relief. The client now has a clear view of their retirement plan and greater confidence about their financial future.
Your Retirement, Your Control
Your retirement should be about enjoying life, not worrying about finances. Private pension advice helps you take control of your retirement planning with tailored guidance on contributions, investment choices, and tax efficiency — and at ifajonesandco, we’re here to make sure you get it right.
We’ve helped countless people just like you take the uncertainty out of pensions and replace it with a clear, achievable plan. Whether you’re starting fresh or reviewing existing pots, now is the perfect time to take action.
Ready to take control of your future?
Speak to one of our friendly advisers today and discover how we can help you create a retirement plan that works for you.