Pensionlite

Pensionlite, authorised financial advice firm in Telford

Pensionlite is a financial advice firm based at Denby House, Stafford Court, in Telford (Shropshire, England). It presents itself as one of the UK's Chartered status financial advice firms and operates as part of the Quilter Financial Planning Network. The company, Pensionlite Ltd, is registered in England and Wales with number 10517547 and is an appointed representative of Quilter Financial Services Limited, authorised and regulated by the Financial Conduct Authority (FCA).

The firm serves clients across the UK, although it limits its advice to UK residents and cannot advise on state pensions. Its activity is aimed at people approaching retirement or who have already reached that stage and need to organise and make the most of their pension funds and investments.

Specialisation in defined benefit and final salary pensions

The core of its activity is defined benefit and final salary pension transfers. The firm warns that transferring out of a defined benefit scheme is unlikely to be in the best interests of or be suitable for most people, and reminds that the value of investments and the income they produce can fall as well as rise, with the possibility of getting back less than you invested.

Alongside transfers, it offers pension reviews and switching, with a no-obligation assessment of the available alternatives.

Financial planning and retirement services

Beyond the strictly pension area, the firm covers a broader range of financial planning:

• Defined benefit and final salary pension transfers.
• Pension reviews and switching.
• Pension Drawdown, as a flexible retirement income option.
• Annuities and enhanced annuities.
• Wealth Management.
• Protection and insurance advice.
• Tax planning.

The firm markets these services under the Pensionlite, PL Mortgages and PL Wealth brands, all of which are trading styles of Pensionlite Ltd.

Experience of the advisory team

Pensionlite's financial advisers have combined experience providing financial advice in excess of 140 years, according to the firm's own published data. The team presents itself as specialists in retirement planning and applies that track record to each individual case. The firm maintains Chartered Financial Planner status, which means it is constantly assessed on the quality of service it offers its clients.

Working method and communication channels

The advice process is based on a dedicated financial adviser who builds a relationship with the client and adapts communication to their preferences. Available channels include telephone, face-to-face meetings, email, video call via Microsoft Teams and letters via mail. The firm also has a client portal for online management.

The usual first step is a no-obligation consultation, whether to study a pension transfer, review the performance of existing plans or analyse annuities and drawdown options.

Regulatory framework and scope of activity

Pensionlite Ltd is registered in England and Wales with number 10517547 and its registered address is Denby House, Stafford Court, Stafford Park, Telford, Shropshire, TF3 3BD. The information and content of its website are subject to the UK regulatory regime and are therefore targeted at consumers based in the UK. The FCA does not regulate certain areas that the firm mentions, such as employee benefits, inheritance planning, estate planning, commercial mortgages, some buy to let mortgages, trusts, taxation and auto enrolment advice.

Location and contact

Telephone: 01952 279 379 · Email: support@pensionlite.co.uk