The world of pensions has changed dramatically over the past 5 years.

We have seen Stakeholder contracts introduced; access to a much wider choice of investment funds; lower charges than old style pension contracts and even more flexibility.

With pressure being put on the State Pension, it is becoming even more important that you take an active interest in your retirement planning. If you want a healthy pension in order to have a happy and comfortable retirement - we can help.

Many people have forgotten about their pension planning in favour of other investments such as ISAs, property investments and shares. Whilst there is nothing wrong with any of these investments, you should get your pensions reviewed to ensure they compare favorably with alternatives.

Most pension companies will allow you to transfer your pension to another provider WITHOUT PENALTY - taking full advantage of lower charges and better funds for your investment. We can guide you through the whole process quickly and with the minimum of fuss.

All sounds great - so where is the problem?

Well, there wouldn’t be a problem if your ‘Old Style Contract’ was automatically upgraded to a ‘New Style’ equivalent. However, a lot of pension companies refuse to do this - as it creates extra work for them and means that potentially they will be taking less from your pension ‘pot’.

What can you do?

That’s where we come in. pension-review.com can provide an individually tailored and easy-to-read report showing you how your pension company is performing.

Your pension-review.com Report will show you the following:

• How much your pension company is charging you

• How much you will gain if you moved to a better

   contract

• What the penalties are - if any - for transferral

• What benefits you may be eligible for within your

   existing plan

• What funds you have access to now and

   are there better alternatives?

Obviously, we need to make a recommendation that is in your best interest. If your pension is already giving you excellent benefits with low charges then we’ll tell you.

Other options we take into account are your present situation and future objectives. It could be, for instance, that your employer offers a better alternative. Whatever the situation we will always give you our honest and impartial advice.

Knight James Limited is an appointed representative of

Burns-Anderson PLC, 27 Great George Street, Bristol BS1 5QT which is authorised and regulated by the Financial Services Authority.