A secure retirement does not happen by chance. It happens through planning, foresight, and consistent action. For most people, private pensions form the cornerstone of that plan. At Landmark IFA, we believe that the right pension strategy is not simply about saving for later, it is about designing the lifestyle you want to live and ensuring your money works intelligently to sustain it.
Pensions can be complex, governed by shifting legislation and tax rules that are
easy to overlook. Our mission is to turn that complexity into clarity. Whether you are
starting your first personal pension, consolidating old workplace schemes, or
structuring drawdown in retirement, Landmark IFA gives you the confidence to make
every decision count.
The state pension alone is rarely enough to provide the comfort or flexibility most people seek in retirement. Private pensions bridge that gap, offering the means to build independent wealth that grows tax efficiently and can be drawn upon in ways that suit your circumstances.
Private pensions allow you to:
In short, your pension is not just a pot of money; it is your future income, your independence, and your ability to enjoy the life you have worked for.
We approach pension planning with the same precision and care we bring to every aspect of financial advice. Our goal is simple: to ensure your pension strategy reflects your goals, risk comfort, and tax position while maximising opportunities for growth and efficiency.
We begin by analysing your existing pension arrangements—workplace schemes, personal pensions, SIPPs, or legacy contracts. We identify performance gaps, unnecessary charges, or inefficiencies that may be eroding your returns. For many clients, pensions are scattered across multiple providers, and consolidation can often simplify oversight and reduce costs without losing valuable benefits.
Every individual’s retirement path is different. Some aim for early retirement and want higher growth potential; others prioritise stability and capital preservation. Landmark IFA designs a strategy that balances these priorities through evidence-based investment selection, careful diversification, and an appropriate balance of risk and reward.
We also model different contribution levels, so you can see the projected impact of saving more, less, or adjusting investments over time. The aim is not guesswork but measurable, data-driven insight.
Tax efficiency is one of the most powerful advantages of pension saving. We help you make the most of annual allowances, carry-forward opportunities, and employer contributions where applicable. We also ensure that your pension arrangements are structured to complement your wider tax planning strategy, including ISAs, general investment accounts, and potential inheritance considerations.
When it comes time to draw from your pension, the structure of withdrawals becomes just as important as the accumulation phase. We help you plan tax-efficient drawdown strategies so your retirement income is sustainable, flexible, and aligned with your lifestyle needs.
As you near retirement, focus shifts from growth to stability and income management. We stress-test your portfolio through detailed cashflow modelling, assessing how different withdrawal rates and market conditions could affect your long-term security.
We’ll explore:
Our role is to ensure your pension gives you freedom, not anxiety.
Retirement is not the end of financial planning—it is a new beginning. Ongoing advice ensures your pension continues to serve you well as life evolves. Markets change, tax laws shift, and your priorities may transform. Landmark IFA provides continual reviews, adjusting your pension strategy to preserve stability and opportunity throughout your retirement years.
As independent financial advisers, Landmark IFA is not restricted to any single provider. This independence allows us to survey the entire market and choose the pension products that genuinely deliver the best outcomes for you.
As independent financial advisers, Landmark IFA is not restricted to any single provider. This independence allows us to survey the entire market and choose the pension products that genuinely deliver the best outcomes for you.
Our team includes pension specialists with decades of experience navigating complex pension rules, tax legislation, and investment management. We stay ahead of regulatory changes so your strategy always remains compliant and competitive.
Our clients appreciate our openness. Every recommendation is fully costed, every performance report is explained in plain English, and every question is met with honest, considered answers. You will never face hidden fees or confusing jargon—just clear, professional guidance.
Retirement planning is not a one-off service. It is an evolving partnership that spans decades. We review your progress annually, making sure your pension remains aligned with your financial life. As new opportunities or changes arise, you can rely on us to respond quickly and intelligently.
Time is the most valuable resource in pension planning. The sooner you begin—or review your current arrangements—the greater the impact of compound growth and tax relief over time. Even small improvements today can produce significant results tomorrow.
If you are unsure how your pensions are performing or whether you are on track to retire comfortably, now is the moment to act. A conversation with Landmark IFA could reveal opportunities to improve efficiency, reduce costs, and strengthen your long-term financial security.
Independent Financial Advisers (IFAs) can recommend products from across the entire market, offering impartial advice based solely on a client’s best interests. Regulated by the Financial Conduct Authority (FCA), they must consider all suitable options before making recommendations. Restricted advisers, however, can only offer advice from specific providers or product types and must clearly disclose these limitations.
While still FCA-approved, their recommendations may be influenced by the firms or products they represent. In short, IFAs provide unbiased, whole-of-market advice, while restricted advisers operate within narrower boundaries that can limit the range of financial solutions available to clients.
If you’re dealing with an Independent Financial Adviser (IFA), then yes — you’ll typically have an independent account owner or adviser who works solely in your interest, offering access to products from the entire market. Their independence means they are not tied to any single provider, so their recommendations and account management should remain impartial.
If, however, you’re with a restricted or tied advisory firm, your account will usually be managed by a restricted adviser, meaning they operate within a limited range of products or providers.
Would you like to tell me which company or platform you’re considering? I can confirm whether their advisers are independent or not.
What sets a financial firm apart is the depth of its expertise, the integrity of its advice, and the personal connection it builds with clients.
A truly distinguished firm goes beyond selling products, it takes time to understand each client’s ambitions, risk tolerance, and long-term goals. Transparency, independence, and a commitment to education create lasting trust, while forward-thinking technology and data-driven insights ensure efficiency and precision.
Exceptional firms combine professional rigour with genuine care, crafting bespoke financial strategies that evolve with clients’ lives. In essence, they succeed not by transactions, but by delivering confidence, clarity, and enduring financial growth.
Landmark IFA maximises your assets and returns through a combination of analysis, planning, and proactive management.
We begins by assessing your current financial position, goals, and risk tolerance, then build a tailored strategy designed to balance growth with protection. This often includes diversifying investments across asset classes, monitoring market trends, and rebalancing portfolios to capture opportunities while minimising exposure to risk.
The firm also considers tax efficiency, inflation, and long-term compounding to strengthen returns over time. This is also demonstrated through some of our other product offerings.
We regularly review your plan, ensuring it evolves with changing markets and life events. Ultimately, it’s about precision, discipline, and informed decision-making to help your wealth grow sustainably.
I would like to say how very satisfied I am with the service and attention I have received from Ellen regarding my financial affairs. Nothing has been too much trouble and you have always provided me with sound honest advice. I would have no hesitation in referring friends and family to Landmark IFA Limited.
I have worked with Phil on a number of areas regarding my financial planning and have always found him to be very open, honest, clued-up and quick to get things actioned whilst also being very patient. I highly recommend him to anyone thinking of getting any kind of financial advice.
