The Pension Planner

Independent Financial Adviser  Portland House, Belmont, Durham, DH1 1TW
First meeting at adviser's own cost
With ever changing legislation, retirement options can be at best confusing. Take advice from retirement specialists at The Pension Planner
We can advise you on
check
Annuity purchase
check
Auto enrolment
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Socially responsible investments
check
Traded endowment policies
check
Unit trusts
check
Lump sum
check
Regular savings
check
Critical illness
check
Healthcare
check
Income protection insurance
check
Life insurance
check
Capital gains tax
check
Estate planning
check
Income tax
check
Taxation planning
check
Corporate pension
check
Employee benefits
check
Group Pension/Stakeholder
check
Group critical illness
check
Group income protection
check
Group life insurance
check
Group private medical insurance
Response rating
9.5/10
check
FCA authorised
Last authorised 17th February 2020
Meet our advisers
Nicholas Pratt
Director

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

This qualification helps advisers develop and demonstrate their financial planning capabilities.

Marvin Watson
Financial Adviser / Retirement Consultant

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of investment products and the risks involved.

Andrew Hursthouse
Director

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

Shane Kao DipPFS
Adviser

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry. This shows a commitment to continuous professional development.

This examination assesses a knowledge and understanding of financial protection plans.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

Having achieved the IFS Level 6 Diploma in Financial Advice, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

What our clients say
Wonderfull Company Sorry in advance for the lengthy review,( so much to say ) I am due to retire next July and got to thinking that i had better begin to gather some information about my private pension and what's on offer on the market as regards annuities. I Knew very little about pensions and all the jargon that is used,and in today's world financial situation i wouldn't know where to start. So i started looking at reviews of local IFA's and the reviews were good on the whole , but one stood out from the rest with the most positive reviews of all was The Pension Planner .My wife and i made an appointment to see Andrew Hursthouse at our home one evening to discuss our finances and in particular pensions. Andrew arrived and we got to work,he listened to all our needs and concerns ,then guided us through all the stages that would have to be gone through ,he also spoke of various options we would be able to choose from,if we didn't understand he put it into terms that we did understand which was brilliant. It took a few week for all the information to be collated from my Pension Provider but we had regular calls from a lovely lady her name is Holly Evans in the office to let us know what had come and what was due to come which we appreciated . Andrew came back to see us having received all the information he required,He had done a full assessment of all our pensions and guided through how to maximise my pension to suit our needs in our retirement. He is very knowledgable and trustworthy,and conducted everything in a professional manner and explaining all in a language we could understand and very patient . As a result of using The Pension Planner we now have plans in place for our future retirement knowing in our opinion the best advice,and would definitely advise anyone needing assistance with any financial matter to use The Pension Planner. Andrew Hursthouse is a real professional working for a professional Company Thank you very much indeed....Mr & Mrs KT Ashmore
Keith Ashmore, Trust Pilot Review
Excellent all round service Following redundancy and an opportunity to take my company pension earlier than expected, I faced a major change to my financial position. Independent financial advice was essential given my situation, so having completed searches via the internet I decided to make contact with 'The Pension Planner'. This has turned out to be a very good decision as right from the initial contact in January the service I have received has been excellent. Nicholas Pratt has been superb, quickly understanding my position and then recommending appropriate products for my review. Having reviewed and agreed to proceed with the recommendations, Nick and the team have been very efficient getting everything set up and my money invested. Communication both via email and phone have been very good, keeping me informed of progress all the way in a timely manner. My main contact has been with Nick but I have also been impressed with the contact I have had from Steve, Amy and Holly. The team are very client focused and helpful, it really feels as though I am important client and that they will always ensure that the information shared with me will be timely and relevant. Also being able to view my portfolio online to get regular updates on my fund valuations is an excellent facility and I will be regularly monitoring the funds via this route. Overall an excellent service, I find it hard to think of anything else that could have been done to improve my experience to date.
Adrian, Trust Pilot Review
Supportive financial advice designed to meet your objectives Throughout my dealings with the Pension Planner I have found the team to be proactive and rigorous in their approach to understanding and providing solutions to my financial objectives. I was impressed by the care that was taken to assess my financial position, and to validate the objectives that I was hoping to achieve. From my very first phone call with Amy and Steve I have found communications by phone, e-mail and post to be efficient, timely and clear. The team delivered a very detailed analysis of my various pension investments, and created an integrated solution to consolidate these funds into a single and more productive investment designed to operate at a level of risk with which I am comfortable. This proposal was discussed in un-pressured, face to face meetings with Andrew, and the process was transparent and objective. The structure and size of fees are made very clear at the outset of discussions. Communications were excellent throughout both the decision period and the transfer process and this responsiveness has been maintained to address a number of recent questions.
Nigel Goode, Trust Pilot Review
Highly Recommended We have had the pleasure of working with Nicholas as our professional adviser since he took over the management of a complicated investment portfolio back in 2008, at this point in time we had very little faith in the financial services sector and our previous financial adviser caused there to be an element of mistrust initially with the whole advice process and management. I am pleased to say that through Nicholas`s hard work and determination he has fully restored our confidence in employing a financial adviser, always being at hand and regularly updating us on the performance of our investment portfolio we could not ask for anything more from Nicholas and The Pension Planner, we have a greater understanding of how our monies are being looked after and have seen impressive growth on our investments year on year without fail. We have placed all of our trust in our adviser and he hasn't let us down once during the last 8 years and we very much look forward to our regular client reviews which are a great opportunity to ensure our financial planning and longer term objectives are on track, not to mention a good catch up about our families over a coffee and biscuit! We look forward to many more years of working with Nicholas and his firm and couldn't recommend their professional services highly enough.
Mrs Maureen Moore, Trust Pilot Review
About us

We truly value our clients and take pride in the work we do. We ensure delivery of the promises we make, and have a strong emphasis on client service. It is these fundamental qualities, along with our expertise, knowledge and experience that sets us apart from the others. We build long lasting and trusted relationships with our clients and provide financial advice in the North East. Our careful attention to detail along with a friendly, plain English approach, ensures our clients value us as much as we do them.
The Pension Planner is truly independent therefore we can utilise companies throughout the whole financial market. This enables us to offer personalised solutions, in our informative yet friendly, relaxed manner.
We ensure our charges are transparent, clients are made aware of these in writing at the very beginning. We will never charge for our time if we cannot help or you do not wish to proceed with our advice.
We are proud to hold a 5 star rating on Trustpilot, please take a look at what our existing clients have to say about us.

<url hidden>

Our Brochure:

<url hidden>?b=1&p=12

Our services

We help many clients each year plan their retirement strategies in the North East. Whether they are coming up to retirement and requiring an income, or a number of years away and looking to put plans in place to retire in the comfort they desire.
When you contact The Pension Planner, one of our highly qualified advisers, or trained specialists will answer your enquiry. Our approach ensures that you are offered advice that is expertly tailored to meet your exact requirements.

Where to find us

Portland House, Belmont Business Estate, Belmont, Durham, County Durham, DH1 1TW

Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
9.5/10
check
FCA authorised
Last authorised 17th February 2020

Similar advisers near you

Independent Financial Adviser 0.56 mi
We strive to make your life easier; as such, all of our advice is tailored to suit each individual client.
 
Independent Financial Adviser 0.82 mi
We are a local friendly firm offering independent advice. Our goal is to provide you with truly independent financial advice.
 
Independent Financial Adviser 1.66 mi
Independent Pension advice and retirement planning for local, hard-working folk!
 
Independent Financial Adviser 1.99 mi
We offer competitive Fee based advice from a highly qualified Chartered Financial Planner who you can trust, call <phone number hidden>.