Pensions

Having the right pension in place is one of the most important financial decisions you’ll ever make in your life.

Think of it this way. If, when you retire, all you have is a state pension, what will you spend that on? Sure, you probably won’t have a mortgage by that point, but you’ll still have energy bills, council tax and that’s before you buy anything for yourself like food and drink.

Devil's Point tidal pool at Firestone Bay, Plymouth, overlooking Drake's Island

Building the retirement lifestyle you deserve

A private pension is what will deliver the lifestyle you want on top of that. A pension will deliver the holiday you want to go on, the new car you want and the everyday lifestyle you hoped for including any gifting that you might want to pass on to your family. The days of believing that a state pension could ever get close to doing that have long gone.

Everyone knows that starting a pension early is important and here at Sutton we completely agree. But let’s face it, you can never turn the clock back, so our advice is always set a pension up as soon as you can because, something will always be better than the alternative.

Pensions are about taking the money that you already have or money that you’re going to earn and investing it so that the lifestyle you want in the future is achievable.

Seafront lido and calm blue sea on a clear sunny day

Tailored pension planning for life and business

Pensions make good financial sense and here at Sutton we have the knowledge, skill and experience to deliver the sort of cost and flexibility that you need. How else are you going to pay for that holiday when you turn 70, because chances are, you probably won’t be working anymore.

But we don’t just set up new pensions, we can advise on existing pensions as well, just to make sure that your existing arrangements still meet your specific needs. We can review how effective they’ve been and how likely they are to generate the lifestyle that you’re hoping for.

In addition, if you run or operate a business, we can handle all aspects of Auto-enrolment pension packages which in this day and age are seen as an important part of any good financial remuneration package that you offer members of your team.

If you would like to know more about how pensions can deliver for you in later life or for members of your team at work, then get in contact with us here at Sutton.

The value of investments can fall as well as rise and you may get back less than you invested. Past performance is not a reliable indicator of future results.

How we charge

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This is an estimate of the initial advice fee only. It is not a personal recommendation and does not include ongoing charges, product fees or investment costs. Your actual fee will be confirmed in writing before any work begins.

Every good financial plan starts with a conversation

Book a no-obligation call with our team and we’ll talk through your situation, answer your questions and show you what’s possible, no pressure, no jargon, just honest advice.

What brings you here?

In a world that’s obsessed with products, we’d rather focus on people. That’s what sets Sutton apart from the other financial advisers out there.

I want to leave a legacy

I’m building wealth

I want to protect my family

I’m thinking about retirement

I want more from my money

I want more freedom and choice

Client feedback

“Megan has been fantastic and forensic in dealing with my current policies. She has asked all the right questions and provided all the right answers. I now have in place better, more robust policies, saving me money and time. Can’t speak highly enough! ”
Tim R, Devon

“As I was retiring early due to ill health (stroke at 52),my pension provider required my choice of pension option (drawdown) to be advisor led. It was important to my wife and I that we found an independent financial advisor whom we could trust, was empathetic to our situation as well as being someone who my wife would feel comfortable talking to on financial matters on her own in the future if required. It has always felt as though Megan was doing her absolute best for us and we’ll always be grateful for that.”

Mr & Mrs C, Cornwall

“I was finding it difficult to get a local Financial Advisor to come back to me with professional advice, so I turned to a family member who had previously worked with Megan, who had nothing but positive praise for her and her work. Absolutely brilliant service received from Megan. She recently helped me bring all my pensions together and I can’t thank her enough for making the whole process both easy to understand and enjoyable at the same time! Thank you again Megan, your professionalism and customer handling skills are superb! I couldn’t ask for a better relationship with my IFA.”

Alex P, Yorkshire

“Following a health scare at the end of 2025, I knew I needed to retire early. This was a very anxious time for me, however, Megan’s wise, professional help reassured me that retirement was indeed a viable option. She helped me use my pension to ensure a stable monthly income and make plans going forward to adjust as other pension options become available. Her calm, clear professionalism was greatly appreciated.”

Joanne B, Devon

“Megan has continued to support our family with pension and investment planning. She both knows and understands us well. Her advice remains tailored to our individuality. Megan has given specific advice on issues covering pension, inheritance, investment and retirement. We still appreciate her quick considered responses to queries and requests for help or understanding, notably with some awkward queries relating to our daughter. Her on-going ease of accessibility is reassuring and her professionalism supports confidence in our financial circumstances and future planning.”

Mr & Mrs H, Pembrokeshire