Building your pension plan


Saving for a comfortable retirement is not a one-time event – it’s an ongoing process. That’s why we’ll work with you to regularly review and adjust your pension plan as your life and financial situation change.


Our process begins by thoroughly assessing your current financial situation, including any existing pension arrangements.

From there, we’ll work with you to define your retirement goals, considering factors such as desired lifestyle, retirement age and anticipated expenses. Based on this in-depth understanding, we’ll develop a personalised pension plan tailored to your needs.

With our guidance, you’ll select the optimal blend of pension investments that aligns with your requirements, paving the way for the retirement you desire. We’ll help you navigate the complexities of pension planning while keeping your best interests at heart.

By your side

Your trusted partner

You may have existing pensions which you’re either currently paying into, or have become paid-up and deferred. Throughout your working lifetime, you may have changed employers several times, with each employer providing you with a pension scheme you were once an active member of. We regularly see clients with several pensions that are drifting and are asked to consolidate these schemes so they can understand and simplify their understanding and plan more efficiently.

Consolidation can save money, but more so, we help establish or maintain the suitability to meet your individual requirements. Some pension schemes offer valuable benefits, including guarantees that would be a bad idea to lose. Other schemes could leave you in a poorly-performing fund or expose you to an unsuitable levels of investment risk.

Why take the chance? Our expert, independent team can help you understand your current financial position and options, to ensure you make informed decisions about your retirement.

Make the right choices

What can I invest in?

Life circumstances, financial markets and legislative changes can impact your retirement strategy. That’s why we offer regular reviews to ensure your pension plan remains aligned with your goals. We’ll monitor your investments, assess their performance and adjust as needed, keeping you on track to achieve your desired retirement income.
Here are some of the options we can help you with:

Defined Contribution Pension

If you want flexibility over your retirement, a defined contribution pension may be the right choice. We’ll explain the advantages of this type of pension, helping you make the right decisions regarding contributions, investment options and potential retirement income.

Defined Benefit Pension

If you have an existing defined benefit pension, we’ll help you understand and maximise the benefits these schemes offer.
We’ll help you navigate the complexities, such as retirement age, pension entitlements and options for increasing your income.

Self-Invested Personal Pension

If you want a wider range of investment choices and more control over your pension portfolio, a self-invested personal pension (SIPP) might be ideal. We’ll explain the benefits of SIPPs, helping you select the best investments and monitor their performance.

State or Workplace Pensions

If you need advice on where your state or existing workplace pensions sit within your pension strategy, we’re here to guide you.
We’ll help you navigate complexities to maximise the benefits and optimise your pensions portfolio for a secure financial future.

Your investment preferences

Understanding risk is a vital part of the investing equation.

But it’s also very significant for us to understand your investment preferences.

Ethical investment is becoming an increasingly high priority for investors.

Climate awareness and treating and protecting sustainable assets and services can be an integral part of the investing criteria for some. Investments demonstrating responsibility shown by companies towards people or the environment can also be factored into modern investment solutions, whether in a pension or investment. If making a difference by positive impact investing is central to your beliefs and values, we’ll work with you to build a bespoke solution that meets these preferences.

Stress test and management

Not all investments perform as expected all the time. While past performance isn’t necessarily a guide to future performance, we can model the impact and consequences of unexpected under performance. We can stress test the impact of under-performance and identify the consequences should this happen on your financial position, so you can understand the risks and make the right choices.

Benefits of professional financial advice

Expert financial advice can help you make informed pension decisions and achieve your retirement goals with confidence. Partnering with Belper IFS for your pension planning offers several benefits, including:


Our friendly, local team of advisers stay up-to-date with the latest pension trends, regulations and opportunities to provide accurate and insightful advice.

Risk management

We’ll help you navigate the complexities of pension investments to diversify your portfolio, maximise returns and minimise exposure to market volatility.

Peace of mind

We’ll guide you through the process, answer your questions and ensure you clearly understand your pension plan and its potential outcomes.

Tax efficiency

We’ll help you maximise available tax relief, optimising your contributions to ensure your pension plan remains tax-efficient throughout your journey.

Goal setting

We can help you define your retirement goals, develop a customised pension plan to achieve them and stay on track by regularly reviewing your progress.

Long-term partnership

Your financial wellbeing and retirement goals are our top priority. We’ll be by your side every step of the way, adjusting your pension plan as your circumstances evolve.

Expert, friendly, trusted

Why Belper IFS?

our retirement should be a time of joy, fulfilment and financial security. With Belper IFS, you can take control of your journey and build a pension plan that aligns with your dreams and aspirations.

Our passion lies in building a long-term relationship with you, providing quality financial advice andpractical solutions to help you achieve your goals.

With our expertise and guidance, you can have peace of mind knowing that we’ll take care of all the necessary steps to make your plans a reality.

Don’t leave your future to chance – get in touch with our expert team today to start securing your financial wellbeing in retirement.