Pensions & Investments

Whether you're just starting to think about retirement or you're approaching it, our independent advisers can help you make the most of your pension and investment options. As whole-of-market advisers, we have access to every product available — not just a limited panel. Since 2009, we've assisted countless clients in navigating the pension market with simplified, sensible, tax-efficient, diversified investments.

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Our Pensions & Investments Services

Pension Advice

Comprehensive guidance on workplace pensions, personal pensions, and SIPPs to ensure your retirement funds are working as hard as possible.

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Retirement Planning

Structured planning for how and when to access your pension, including drawdown strategies, annuity comparisons, and income sustainability.

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Investment Advice

Tax-efficient, diversified investment strategies tailored to your risk profile, time horizon, and financial goals.

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Financial Advice

Holistic financial planning that looks at your complete picture — savings, assets, liabilities, and aspirations — to build a plan that evolves with you.

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Company Director Pensions

Specialist pension planning for business owners and directors, including tax-efficient extraction strategies and executive pension schemes.

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SIPPs & SSASs

Self-Invested Personal Pensions and Small Self-Administered Schemes offering maximum investment flexibility and control.

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Defined Benefit Pension Transfers

Expert analysis for those considering transferring a final salary pension, with clear advice on whether a transfer is in your best interest.

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Divorce & Pension Sharing

Guidance on pension sharing orders and the division of retirement assets during divorce proceedings.

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Long-term Care Funding

Advice on funding care costs through pension drawdown, immediate needs annuities, and other financial arrangements.

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Understanding Your Pension Statement

Educational guidance helping you decode your annual pension statement and understand what your pension is really worth.

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Pension Rules

A clear explanation of the rules governing pension contributions, tax relief, and access to your pension savings.

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Why choose Veracity?

Truly Independent

We're not tied to any provider. As whole-of-market advisers, we search every product available to find the right solution for you — not the one that pays us the most.

Dedicated Adviser

You'll work with the same adviser throughout your journey. Someone who knows your circumstances, understands your goals, and is there when you need them.

Transparent Fees

No hidden charges, no surprises. We'll explain exactly how we're paid before any work begins, so you can make an informed decision.

Ongoing Reviews

Financial planning isn't a one-off event. We review your plan regularly to make sure it stays on track as your life and the markets evolve.

What our clients say

"Edwin has helped us in many financial ways. I am happy to trust him implicitly with anything of a financial nature. His quick responses and thorough explanations have been invaluable. He is always up-front about fees."

Chris

Advised by Edwin Snapper

Investments, Mortgages & Protection

"Always available with well thought out responses particular to our needs, avoiding technical jargon but without being patronising. Edwin is always honest when he's uncertain about matters."

Mel

Advised by Edwin Snapper

Business Pension, Life & Health Insurance

"During the time I have worked with Edwin the value of my pension fund has increased significantly. He has always given me clear advice about my options. I couldn't recommend him more highly."

Jodie

Advised by Edwin Snapper

Pension & Protection Insurance

Frequently Asked Questions

What is a pension scheme?

A pension scheme is a retirement savings plan that allows you to accumulate a pot of money to provide you with an income or financial support when you retire. There are several types: the State Pension (provided by the government based on your National Insurance contributions), workplace pensions (arranged by your employer), and personal pensions (private plans you arrange yourself).

How much can I contribute to my pension?

For the 2025/26 tax year, you can contribute up to £60,000 gross (£48,000 net of basic rate tax relief) per year, or 100% of your earnings if lower. Unused allowance from the previous three tax years can be carried forward. Higher earners with adjusted income over £260,000 may have a tapered annual allowance (minimum £10,000).

What types of pension scheme are there?

The main types are Personal Pensions (private plans where contributions are invested and the final value depends on performance), Defined Benefit / Final Salary pensions (guaranteeing a specific income based on salary and years of service), and Defined Contribution / Money Purchase pensions (where the final value depends on contributions and investment performance). Most modern workplace pensions are Defined Contribution.

How do I start a pension?

If you're employed, your employer must enrol you into a workplace pension under auto-enrolment rules. If you're self-employed or want additional pension savings, you can set up a personal pension — we can help you choose the most suitable provider based on your circumstances, risk profile, and retirement goals.

What if I have accumulated a number of pension funds?

It's very common to accumulate multiple pension pots over your working life. We can review all your existing arrangements, assess whether consolidation would be beneficial (considering charges, performance, and any valuable guarantees), and recommend the best approach. Consolidating can make your pensions easier to manage and may reduce overall fees.

What happens to your pension on divorce?

Pensions can be dealt with in several ways during divorce: pension sharing (a court order transfers a percentage of one party's pension to the other), pension offsetting (the pension value is offset against other assets like the family home), or pension earmarking (a portion of the pension income is directed to the ex-spouse when it comes into payment). We provide specialist guidance on pension sharing orders and the division of retirement assets.

What is the State Pension?

The State Pension is a regular income from the government based on your National Insurance contributions. There are two forms: the Basic State Pension (for those reaching state pension age before 6 April 2016, requiring 30 qualifying years) and the New State Pension (for those reaching it on or after 6 April 2016, requiring 35 qualifying years). The amount increases annually under the 'triple lock' mechanism and is usually paid every four weeks.

Can I defer my State Pension?

Yes. You can choose to defer your State Pension to increase the amount you receive when you do start claiming. The longer you defer, the higher your payments will be. You can claim online, by phone, or by post when you're ready.

Not sure where to start with your pension?

Book a free, no-obligation consultation.

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Or call: 0115 967 0888