Our pension advice services
TISCO will typically first meet with you to get an insight of your current situation with regards to pensions. This will allow us to get a greater understanding meaning our recommendation has the potential to be far more effective. We would thoroughly expect our relationship to grow over time to continually check your pension is working for you.
We like to think of a pension as retirement bank accounts which are extremely tax efficient and personal to you, and we will explain in plain English how tax relief, employer contributions and/or salary sacrifice can significantly increase your contributions to help build a large fund for you to use in retirement.

During our meetings, as part of our pension advice and investment process, we will also explain the importance of your attitude towards risk and work with you to agree this, discuss what investment choices your policy offers and agree a suitable mix of funds to get your policy started.
We also offer a regular pension review process, and recommend all our clients take advantage of this at least annually. Most pension providers offer an on-line facility to administer your pension plan. Our existing clients can log-in here to our own system to receive real time valuations of your pension.
We will also look at other areas of pension advice. You may have other existing pensions and our pension transfer service can investigate, and report on the benefits or dis-advantages of you transferring / consolidating your existing pension plans into the new arrangement.
On the other hand you may feel that your employers scheme is not the scheme for you, our advanced pension service can arrange specialist pensions like SIPPs on an individual basis.
For our clients approaching retirement we offer a retirement planning service which advises on the most suitable way to draw your pension benefits.
In our experience, our pension service will help assure you of the benefits of pensions, addressing any queries you may have as well as helping dismiss many of the common myths regarding pensions. Did you know, for example, that if you die before you retire your beneficiary can receive the entire pension pot back tax-free?
Please contact us or call our St Albans office for pension advice on 01727 734040 and we will make suitable arrangements to help you with your pension needs.
Testimonials from our clients
Please find below feedback from clients with whom TISCO have built a relationship with on a private client basis.
These represent every un-edited (including typos!) response received from individuals.

