Understand what your pensions can do
Review benefits, costs, investments and income options before making decisions that may be difficult or impossible to reverse.
Pension decisions deserve context because tax advantages, scheme rules and retirement choices interact.
We first establish what each arrangement provides, including charges, investment options and any safeguarded benefits. Consolidation can simplify administration, but only where the evidence supports giving up the existing plan.
Advice then links contribution or withdrawal decisions to your cashflow, tax position and wider retirement strategy. The aim is understanding and suitability - not moving a pension for the sake of tidiness.
Built-in tools that keep your pensions aligned
Multiple pension pots from different employers? We review, value and consolidate them into a coherent structure - giving you clarity and often better investment options.
Pension Consolidation
Taking income from your pension requires careful planning. We design withdrawal strategies that balance your income needs with making your money last throughout retirement.
Drawdown Strategies
Common pension questions
Should I consolidate my pensions?
Often yes, but not always. We analyse each pension's charges, investment options, and any valuable guarantees before recommending consolidation. Some older pensions have benefits worth keeping.
How much can I take from my pension?
From age 55 (rising to 57 in 2028), you can access your pension flexibly. The question is how much you can take sustainably. We model withdrawal rates to ensure your money lasts.
What about the state pension?
We check your NI record and forecast your state pension. If you have gaps, we advise on whether voluntary contributions would be worthwhile to boost your entitlement.
How to meet with us
Our office is based at our Norwich office at St Georges Works, 51 Colegate, Norwich, making us easily accessible to clients across Norfolk. Meetings can also be held online where appropriate.
rockwealth Norwich IFA
St Georges Works, 51 Colegate, Norwich, NR3 1DD
Putting the subject in context
How this service fits your wider plan
A pension is only one part of retirement funding. Good advice considers scheme benefits, charges, investment choices, tax and the income each arrangement may need to provide.
For local help, visit our guide to pension advice in Norwich. The bigger picture may also involve Norwich retirement income planning, a comprehensive financial plan in Norwich and tax-aware planning for Norwich clients.
The rockwealth Norwich home page introduces the team and philosophy, while our advice journey sets out what happens at each stage.
Start with the question that is on your mind
You do not need to arrive with everything organised. Tell us what has changed, what feels uncertain or what you want life to look like next. We will explain whether our Norwich team can help and what the next step would involve.
