Pension Planning 

It’s important to plan ahead for you’re retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch. 

Pensions & Divorce 

With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement. 

The Value of Retirement Planning 

We all know it’s important to plan for retirement, but many of us are still not planning well, or early enough. 

What is a Personal Pension? 

A personal pension may be suitable if your self-employed or and employee without a occupational pension.

How Personal Pensions work 

The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you convert the fund into a regular income payment, which is designed to replace some (or all) of your employment income. 


Martyn G Whittaker DipPFS

Financial Adviser
I specialise in providing advice and recommendations concerning Pension and Investment planning. This includes both personal and employer type arrangements which can involve inheritance tax planning. Having provided financial advice to clients for many years, I believe the most important part of our service is listening and delivering a straightforward explanation about how we might help.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

*Will writing is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business.