The Pension Planner

Independent Financial Adviser  960 Capability Green, Luton, Bedfordshire, LU1 3PE
First meeting at adviser's own cost
We are highly rated (4.9/5 on Trustpilot) Independent Financial Advisers in Luton, helping people at every stage of retirement to maximise their pension and achieve their ideal lifestyle.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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Corporate pension
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Employee benefits
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Group Protection/Life Insurance
Response rating
9.3/10
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FCA authorised
Last authorised 19th October 2020
Meet our advisers
Nicholas Pratt Dip Pfs
Senior Financial Planner & Retirement Adviser

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.

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.

Marvin Watson
Adviser

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.

What our clients say
Great financial advise on pensions We were not satisfied with our previous FA, who was good at selling products but not so good on providing updates or answering our queries when we were unsure whether to stay with a product. Since moving to the Pension Planner, Andrew has provided us with so much guidance and answered our questions, he truly understands our different attitudes to risk and works hard to meet our needs. We have learned so much more in the short time we have been with the Pension Planner than all our years with previous financial advisers. Would definitely recommend them to everyone who is looking for advice on their pension situation.
Tania, The Pension Planner Client
Happy to recommend The Pension Planner Marvin handled my pension review, that turned out to be quite complex. Due to me being a bit of a journeyman in my earlier working years, I had bits of pensions from various employers lurking waiting to be reunited with me. I also consolidated my various areas of savings to be part of the review for my future. There were times when progress seemed slow, although the updates from the company kept me informed. Delays being from my providers not being as timely as they could be at providing information for Marvin to use. Hew was then able to meet with me and guide me through various options and possible benefit and penalty points. The result is that I am glad to have found and used The Pension Planner company in Sheffield, and just nee time to enable my retirement plans bare fruit. As someone over 50 I should have done this years ago. To those under 50 reading this, I would say get planning with good guidance.
Martin, Trust Pilot Review
Great Service - Company Final Salary Pension Scheme Transfer Nick and the team at The Pension Planner have provided a superb service in transferring my pension from my previous large corporate employer. It's a huge decision and the professionalism, knowledge and efficiency with which they handled this major decision was first class. Once the transaction was complete - it's time to demonstrate their real skill in managing the portfolio in a somewhat turbulent market. So far, so very good - it's been a bumpy road for the last 6 months and no doubt with Brexit and Mr Trump, things are unlikely to calm down in the near future. For me, it's in these times that The Pension Planner and their partners need to prove their worth. I am impressed with the quality, depth and timelines of the portfolio performance update information that they provide. We have also had the first sit down review of performance and in-depth look at the exciting prospect of taking a a graduated income as I reduce my working hours a little and spend more of my time doing the things in life that I love the most. Thanks Nick and team for all you have done so far, I look forward to working with you towards enabling my future plans to come to fruition. Andy
Andy, Trust Pilot Review
Pension Advice I started my Pension Planner process just prior to Christmas last year and because there is not that much urgency, the process has been very smooth and very methodical. Andrew is always very helpful and understanding in, what can be , difficult for someone like me who has a limited knowledge of the various options in a very important financial undertaking. Beth, Andrew and Steve are always very responsive to any queries and are always "on the ball". I would have no problem about recommending The Pension Planner team to anyone who needs clear and concise advice about the various options to maximise their financial benefits.
Ray Potts, Trust Pilot Review
About us

We’re a team of Independent Financial Advisers who provide jargon-free advice, making retiring as simple as possible.

We believe retiring successfully isn’t just about your pension, investments, and savings that you have accumulated. It’s about how you want your money to enable the lifestyle you want.

We focus on getting to know you. This means we will understand what your concerns and goals are, so we address your concerns and achieve your goals.

We are here for people at every stage of retirement:

People retiring soon:

It’s never too soon to begin thinking about what retirement lifestyle you want to live. Our advice will guide you to identifying what lifestyle you want to live and how you get there.

People retiring now:

If you’re retiring now, there’s plenty to think about. It can be daunting, but our specialists will organise your retirement income and get you to where you want to be.

People who have already retired:

Having an ongoing strategy is still important even if you took financial advice prior to retirement. By reviewing and adjusting your financial arrangement, it will ensure you’re making the most of your retirement, and achieving your ideal lifestyle.

Our services

We’re proudly different from other financial advisers.

We’re highly rated:

We have a five-star rating on Trustpilot, with almost 250 clients rating our service as excellent.

We’re independent:

We search and recommend the best options for you, based solely on your goals.

We’re retirement specialists:

Our advisors have over a decade of experience helping people like you successfully retire.

We provide advice your way:

We provide advice at your convenience, whether face-to-face, video or telephone call.

We work throughout the UK:

We have the capacity to become your trusted partner, no matter your location.

Where to find us
Head office address: 960 Capability Green, Luton, Bedfordshire, LU1 3PE
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.3/10
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FCA authorised
Last authorised 19th October 2020

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