SIPP Adviser

Specialist Financial Advisers for SIPPs

For SIPPs, workplace pensions, retirement planning, tax planning, and much more.

Our Services

Advice on Transferring SIPPs

We can advise you on the process of transferring your Self-Invested Personal Pension (SIPP) to ensure a seamless transition, considering your financial goals and maximising benefits.

Advice on Consolidating SIPPs

If you have multiple SIPPs and pensions, we can provide strategic advice on consolidating these into a unified plan, streamlining management, and optimising investment strategies for greater efficiency and clarity.

Advice on Investing Your SIPP

Tailored investment advice to align your SIPP with your risk tolerance, diversification needs, and long-term financial objectives.

Advice on SIPP Contributions (maximising tax relief)

Specialised strategies to optimise tax benefits for your SIPP contributions, ensuring you’re getting the most out of your available tax relief.

Advice on SIPP Drawdown

Expert advice on SIPP drawdown strategies, focusing on tax efficiency and determining sustainable withdrawal rates to align with your lifestyle and financial goals.

Advice on Taking Your SIPP Tax-Free Cash

Guidance on how to utilise the tax-free cash from your SIPP efficiently, ensuring you maximise this benefit while considering your overall retirement strategy.

Advice on Inherited SIPPs

Comprehensive support in navigating the complexities of inherited SIPPs, guiding on managing and optimising inherited pension funds efficiently.

Advice on SIPPs Gained Through Divorce

Expertise in handling SIPPs acquired through divorce settlements, offering strategic advice to secure and manage these assets effectively within your retirement plan.

Broader Retirement and Pension Advice

In-depth consultation and strategic planning beyond SIPPs, encompassing broader retirement and pension advice, ensuring a comprehensive approach to secure your financial future.

Estate Planning and Inheritance Advice

We can help structure your assets to facilitate smoother inheritance and minimise tax liabilities for beneficiaries – ensuring your wealth is distributed in line with your wishes.

Regular Portfolio Reviews and Monitoring

We can provide ongoing monitoring and periodic reviews of investment portfolios within SIPPs, ensuring they remain aligned with your evolving financial objectives and market conditions.

Long-Term Care Planning

Guidance on planning for potential long-term care needs during retirement, including considerations for care costs, insurance, and asset protection strategies.

Client Case Study

The Covid pandemic had exacerbated an ongoing issue at work for our client – he was being bullied by the head of the department at the school he taught in. And despite having a passion for the subject, he’d lost the spark for his job, and simply didn’t want to do it anymore.

He and his partner had always believed he would work until age 60 – it was simply the plan they had, and they were sticking to it. This was until they contacted their Financial Planner, Jamie, for a sense-check on their strategy.

After a reassessment of their pensions and broader finances, along with some detailed cash flow modelling, Jamie was able to demonstrate that they could actually afford to retire now, and showed them how this would work in practice, step by step.

Having never considered it possible before, the realisation was stark and emotional. It brought our client to tears, and by the end of the next week he had handed in his notice.

In the meantime, Jamie put in place a clear retirement income plan to replace his salary and ensure the transition into retirement was as smooth as could be financially.

“It’s a case that clearly demonstrates the value of financial planning – especially when coming up to retirement. It’s so difficult to really understand what you’ve got, how long that could last, and what your retirement could look like, that most of us either play it far too safe, or get reckless in our ignorance.

Our financial planning service not only crunches the numbers – it also utilises technology to help you truly visualise your retirement options so you can make a truly informed decision about your future.”

– Jamie Flook CFP

What is a SIPP Adviser?

A SIPP adviser is a financial adviser specialising in guiding individuals through the intricacies of managing SIPPs (Self Invested Personal Pensions). 

Their primary role revolves around offering tailored advice and strategic insights to help clients optimise their pension investments. 

They possess an in-depth understanding of pension regulations, investment markets, and retirement planning, allowing them to provide comprehensive assistance.

They are experts in all types of pensions – not just SIPPs.

SIPP advisers are also distinguished by their qualifications, expertise, and experience in the financial sector. Typically, they’ll hold relevant certifications and accreditations, such as Chartered Financial Planner (CFP) or Pension Transfer Specialist (PTS), demonstrating their commitment to adhering to high professional standards.

But their expertise extends beyond conventional pension advice, encompassing a deep knowledge of diverse investment options, tax implications, and risk management strategies specific to SIPPs.

Whether it’s optimising investment portfolios, navigating regulatory changes, or maximising pension income, they can offer guidance that aligns with their clients’ long-term financial aspirations.

Why Seek Advice for Your SIPP?

Managing a Self-Invested Personal Pension (SIPP) involves navigating a labyrinth of complexities, from investment choices to tax regulations and retirement planning. 

Seeking guidance from a specialist SIPP adviser can give you peace of mind you’re getting the most out of your contributions, investments, and drawdown strategy.

Here’s 4 reasons why to use one:

1. The Complexities of SIPP Investments: SIPPs offer a broad spectrum of investment options, including stocks, bonds, mutual funds, and commercial property. 

However, with this flexibility comes complexity. Understanding the risks, diversification strategies, and market trends requires a deep level of expertise that a specialist adviser can provide. Their insights help in crafting a well-balanced investment portfolio aligned with your risk tolerance and financial goals.

2. Navigating Tax Implications: Tax rules governing SIPPs can be intricate and subject to change. A specialist adviser can help optimise tax benefits within your SIPP, minimising tax liabilities while maximising growth potential. They stay updated on tax laws and guide clients on tax-efficient investment strategies, ensuring compliance with regulations.

3. Holistic Retirement Planning: SIPPs are integral components of retirement planning. A specialist adviser evaluates your entire financial landscape, not just your pension, to create a cohesive retirement strategy. They consider factors like lifestyle aspirations, longevity risks, and potential healthcare expenses, providing a comprehensive plan that extends far beyond pension investments.

4. The Benefits of Professional Guidance: The expertise of a SIPP adviser extends beyond mere investment advice. They offer personalised solutions, conduct regular portfolio reviews, and adapt strategies to life changes or market fluctuations.

Understanding Your SIPP Investment Goals

Clarity in defining investment goals within your Self-Invested Personal Pension (SIPP) forms the cornerstone of a successful retirement strategy. 

It’s crucial to articulate these objectives, and a specialist SIPP adviser plays a pivotal role in this process.

Importance of Defined Investment Objectives: Your SIPP investment goals should be more than just accumulating wealth. 

They should align with your retirement aspirations, encompassing factors like desired retirement age, lifestyle expectations, income needs, and legacy considerations. 

Defining these objectives serves as a compass, guiding investment decisions and risk tolerance levels.

Expert Guidance in Goal Alignment: A specialist SIPP adviser facilitates a structured approach towards goal setting. 

They engage in detailed discussions to understand your financial ambitions, risk appetite, and time horizon. 

Using this information, they craft a tailored investment strategy that aligns with your specific objectives. 

Whether it’s capital growth, income generation, or a balanced approach, they help match your goals with suitable investment vehicles within the SIPP.

Mitigating Risks and Enhancing Returns: Understanding your risk tolerance is crucial for SIPP investment success. 

A specialist adviser conducts risk assessments and educates clients on various investment risks. 

They then devise strategies that balance risk and return potential, ensuring your SIPP investments remain in line with your comfort level while aiming for optimal growth.

Our SIPP Advisers

At SIPP Advice, our commitment lies in empowering your financial future through expert guidance. 

With a team of seasoned specialists dedicated to navigating the complexities of SIPPs, we offer personalised solutions tailored to your unique needs. 

By choosing SIPP Advice, you’re not just gaining advice; you’re partnering with a trusted ally dedicated to optimising your SIPP investments and broader retirement plan for a secure and fulfilling retirement.

FAQs

Do I need a financial adviser to manage my SIPP? 

No, you don’t need a financial adviser to manage your SIPP.

But while not mandatory, a financial advisor can offer invaluable guidance on SIPP management, especially for complex investment decisions and retirement planning.

SIPPs are complicated, and so is retirement, and it can get overwhelming. SIPP advice can give you peace of mind you’re making the right decisions in retirement. 

Can I manage a SIPP myself? 

Yes, you can manage your SIPP yourself. Many of the guides on our website are written to empower investors to make their own decisions on SIPPs. 

However, it does require a lot of time for research, and a thorough understanding of investment risks and tax rules to be worth it compared to getting financial advice, where you know you’re making the right decision every time.

How much does a SIPP adviser charge?

SIPP advisers typically charge an initial fee of around 1-2% of your pension value for specific recommendations. 

Fixed fees can also apply for recommendation reports, and can be upwards of £1,500.

They will also typically charge from 0.75-1.5% of your pension value per year for ongoing SIPP advice.

 

What We Do

Advice for SIPPs

From helping you invest your SIPP properly to getting all of your pensions in one place – we specialise in all areas of pension advice.

Retirement Planning

Giving you a clear picture of what you can afford to take in retirement, ensuring you’re getting the most out of what you have.

Tax Efficiency

From making the most of your tax allowances in the UK (SIPPs, ISAs etc.), to making strategic inheritance tax decisions for your family’s future.

Investment Advice

We are 100% independent, and select our investment manager partners from the whole of the market using a thorough research and due diligence process.

Compare SIPPs

An unbiased comparison of UK SIPP providers, including our side-by-side provider charges calculator tool.

Financial Education

Learn from the experts: explore our jargon-free guides and tutorials to SIPPs, retirement planning, pension building and more.

 

Testimonials

Thank you, you’ve really helped me simplify my finances. I am happy I am on track and in good hands.

– Retired client, West Midlands

Jamie has helped us with our financial planning for eight years now as we moved into retirement. We have always stayed with Jamie as his career developed.

He has skilfully planned our pensions and investments to meet our values, risk and life goals. We value his independence in providing the best solutions for us and he has earned our trust.

Best of all is how friendly, personable and understanding Jamie is in simplifying the complex.

– Graham and Ann H
Advice
Retirement

Our Advice is Fully FCA Regulated

Family

Like life, money can get complicated.

We excel at organising and simplifying your financial affairs, enabling you to get on with life, safe in the knowledge that your money is being looked after and you understand what it’s doing.

Who We Work With

Retirement Planners

Thinking about retirement? We can give you clarity on when you can retire, and what retirement could look like financially for you. Get peace of mind that you’re making the most of your retirement savings.

Working Professionals

Looking to make the most of your income and build your wealth? We can help with tax-efficient investing and planning, building a future of financial security and independence.