Welcome to Unbiased Independent Financial Advisers Ltd!

An IFA brings expert knowledge of the financial market, helping you navigate complex decisions related to pensions, investments, and taxes. Their advice is tailored to your unique financial situation, ensuring you make informed choices to secure your financial future.

We primarily serve clients in Worcester Park, Surrey, and London, but we can offer remote consultations for clients across the UK. Our local knowledge and expertise allow us to provide highly personalized services.

We specialize in pension planning and inheritance tax solutions, but we also offer advice on savings, investments, financial protection, and general financial planning. Our goal is to provide you with the tools and strategies to meet your financial objectives.

No, we offer a free initial consultation to understand your financial goals and assess how we can help you. This allows you to evaluate our services before committing to further advice.

Pension drawdown allows you to withdraw money from your pension pot while the rest remains invested. It’s a flexible option that lets you control your retirement income. Our team can assess whether this strategy suits your financial situation and retirement goals.

Yes, you can combine multiple pension pots into one to make managing your retirement funds easier. We can help you find old pensions and determine whether it’s beneficial to consolidate them into a single plan.

A Self-Invested Personal Pension (SIPP) gives you greater control over your pension investments. It allows you to choose from a wider range of investments compared to traditional pension schemes. We can guide you in setting up and managing your SIPP.

There are several strategies to reduce your inheritance tax liability, including gifting assets, setting up trusts, and using tax-efficient investments. We specialize in creating bespoke inheritance tax plans that help you protect your wealth for future generations.

The current inheritance tax threshold (as of 2024) is £325,000. If the value of your estate exceeds this amount, any excess may be taxed at 40%. There are ways to reduce or eliminate inheritance tax through effective planning, and we can guide you through these options.

Yes, pension contributions are tax-efficient. For every contribution you make, the government adds 20% in tax relief, and higher-rate taxpayers may be eligible for additional relief. We can help you maximize the tax benefits of your pension contributions.

You can usually start accessing your pension from age 55, but this will rise to 57 in 2028. There are several ways to draw your pension, and we can help you choose the best option based on your retirement plans.

A workplace pension is set up by your employer, and contributions are automatically deducted from your salary, often with employer contributions. A personal pension is arranged by you and offers more flexibility in how it’s managed. We can advise on both types to ensure you’re on the right track.

Determining how much you’ll need for retirement depends on your lifestyle, expenses, and retirement goals. Our pension planning services include a thorough analysis of your financial situation to help you estimate how much you’ll need and how to achieve it.

The best pension plan depends on your specific financial circumstances, age, and retirement goals. We provide tailored advice to help you choose the most suitable pension plan, whether it’s a personal pension, SIPP, or a workplace pension.

Your pension can be passed on to your beneficiaries. Depending on the type of pension and your age at death, it may be subject to inheritance tax. We can help you structure your pension in a way that benefits your loved ones.

In some cases, you can access your pension early due to ill health or specific circumstances, but this may come with penalties or reduced benefits. We can provide guidance on whether early access is the right option for you.

We advise on a range of protection options, such as life insurance and income protection, to ensure your investments are safeguarded in case of unexpected events. Our tailored advice will help you choose the right policies for your situation.

Planning for inheritance and taxes involves understanding how inheritance tax works and implementing strategies such as trusts and gifting. We offer expert guidance to help you minimize taxes and protect your estate for your heirs.

It’s advisable to review your financial plan annually or whenever there are significant changes in your life, such as marriage, buying a home, or retirement. We offer ongoing financial reviews to ensure your plan remains aligned with your goals.

Income drawdown allows you to take a flexible income from your pension pot while the rest remains invested. It provides more control over how you withdraw funds in retirement. We can help you determine if income drawdown is suitable for your needs.

Many people lose track of pensions from previous employers. We offer a pension finder service that helps you locate and consolidate old pension pots, ensuring you don’t miss out on valuable retirement funds.

During your initial consultation, we’ll discuss your financial goals, assess your current situation, and explain how we can assist you. It’s an opportunity for you to ask questions and for us to tailor our advice to meet your needs.

Simply contact us via phone, email, or through our website to schedule your free initial consultation. We’ll be happy to discuss your financial needs and create a plan that helps you achieve your goals.