      
 5.0
 5.0
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Lorraine Lowey 
 7 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am very happy to have Holly as my financial adviser. She has guided me through my pension transfer. She had patience with me as I struggle with tge whole subject.
  
 
     Posted on Google  
   
   Jon Cornish 
 20 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I can throughly recommend Mr James Grant Senior Partner & Financial Advisor at Beal’s Wealth Management. James kindly arranged my pension pots to best suit my needs and future wishes. James was extremely patient, understanding and supportive of my needs. To date the performance of my pension has been excellent.
  
 
     Posted on Google  
   
   peter hartley 
 11 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. I recently  required some important financial advice for which I started a search finding Beals I contacted them and was put in touch with Chris  Milczarek Speaking with and discussing my situation he quickly assisted me through my concerns extremely clearly. So much so that I am pleased to highly recommend him with a 5 star rating. Thanks Chris. Peter H
  
 
     Posted on Google  
   
   Helen Brusby 
 5 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with the communication, knowledge and politeness of everyone at Beals, they work for you.
  
 
     Posted on Google  
   
   Kevin Booth 
 4 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Dominic Higham was very thorough on his detail and after taking over my old advisor had a lot of details
  
 
     Posted on Google  
   
   trevor holt 
 4 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. i had my annual financial review with MR DANIEL PYLE. DANIEL has continued to maintain an extremely high standard of explaining with an easy to understand method of how my investments through his recommendations have performed in the last year and has answered all of my questions in a clear and easy to understand way. Daniels advice and guidance has resulted in a continued growth of my investments that has continued to exceed my expectations. an amazing financial advisor (guru) at an amazing company, BEALS  WEALTH  MANAGEMENT
  
 
     Posted on Google  
   
   B. Radley 
 25 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. As a long standing customer I am very happy to endorse the Beals Wealth Management Team, particularly Simon Davies and Sarah Sampson who are always very diligent, helpful and professional in providing robust acurate advice concerning my long term financial arrangements.
  
 
     Posted on Google  
   
   Paul Cook 
 27 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. I've been using Beal's for a good few years now. I find them to be helpful, friendly & knowledgeable. Would recommend.
  
 
     Posted on Google  
   
   Valerie McCarthy 
 26 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Simon Davies is a very honest, competent and friendly advisor. He has been so helpful over the past 10+ years, looking after my pension fund and ISA, giving me clear and honest advice. I am delighted to say that these funds have grown steadily over the years - thank you. Simon is also very patient when explaining options. And, always on time with any phone appointments we have too. Thank you Simon.
  
 
     Posted on Google  
   
   jackie mason 
 22 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have trusted Mike from Beals with my investments for over 10 years and he has always been patient, honest, supportive and extremely knowledgeable.
  
 
     Posted on Google  
   
   Nigel Brazendale 
 16 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Simon Davies has always been fair honest and professional with our dealings. He is great and have recommended him to others many times.
  
 
     Posted on Google  
   
   Anna Lacey 
 6 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Calls on time, answers questions and researches anything that is unclear.
  
 
     Posted on Google  
   
   neil davies 
 5 December 2025
 
 
 Trustindex verifies that the original source of the review is Google. My first pension review with this company as ive been there 12 months and Simon Davies my advisor was very informative and spoke in a clear and understandable manner,my funds are also doing well so well done keep it going 👍
  
 
     Posted on Google  
   
   Louise Joyce 
 2 December 2025
 
 
 Trustindex verifies that the original source of the review is Google. Mark Hurst helped us with our mortgage when moving house. We have used Mark for previous mortgage and pension advice. Mark is our go to and we will always recommend Mark to others. He is a real pleasure to deal with and he helps get the best for his clients. We wont go to anyone else.
  
 
     Posted on Google  
   
   James Woodman 
 28 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with Beals Wealth Management and In particular James Grant my FA. Communication is clear ,timely and importantly at the date & time agreed. Very pleased with the performance in my first two years with Beals.
  
 
     Posted on Google  
   
   Maria Puckey 
 26 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Darren Faulkner 
 26 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. We dealt with Paul and Charlie for life and critical insurance on our business. Very professional, knowledgeable and efficient. Would recommend them to anyone wanting any form of advice on insurance, pensions or investments.
  
 
     Posted on Google  
   
   jacky parish 
 12 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Jo Morrell 
 24 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. My advisor, Chris Milczarek is always very polite and attentive of my pension needs. I’m happy to refer him.
  
 
     Posted on Google  
   
   Brian Tee 
 20 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. James Black from Beal's Wealth Management explained where we were with our ISA and Pension funds and also explained the reasons why and the increases in the Fees we would be charged in the future. We were very happy and we both thought James did an excellent job. Thanks Brian and Sue Tee.
  
 
     Posted on Google  
   
   Alanjohn Evans 
 16 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. It was sufficient
  
 
     Posted on Google  
   
   Dominic Pisani 
 14 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. A really lovely team of advisors, especially Chris M, always on hand to answer questions and advise where appropriate. The yearly reviews are really helpful to ensure the pension is on the right track, but they call you mid-year if they recommend a change to any products. Really reassuring to have them assisting with and looking after my private pension.
  
 
     Posted on Google  
   
   Mehmood 
 11 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. Trevor has been extremely professional and helpful over a number of years.
  
 
     Posted on Google  
   
   Christine McFall 
 7 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. Mark Hurst has been managing my portfolio for many years. Even in a struggling economy he manages the market successfully. Mark is the most professional, knowledgeable,  trustworthy financial advisor I have had the pleasure to deal with. He is an absolute gentleman whom I highly recommend.
  
 
     Posted on Google  
   
   Malcolm Harrison 
 3 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service. Our advisor explains everything clearly.
  
 
     Posted on Google  
   
   Carol Meyer 
 17 September 2025
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service and a great company. Its been wonderful to work with Chris Milczarek my financial planner who not just helps me sound advice with my pension but always gives me genuine time to discuss other options.  Thank you...
  
 
     Posted on Google  
   
   Paula Rodney 
 22 August 2025
 
 
 Trustindex verifies that the original source of the review is Google. My brilliant adviser, Neil Adams, gave attainable and realistic advice when helping me to plan for my future retirement. He was extremely informative and infinitely patient when dealing with my many questions and I wouldn't hesitate to recommend him.
  
 
     Posted on Google  
   
   Michael V 
 6 August 2025
 
 
 Trustindex verifies that the original source of the review is Google. Olivia who is my new adviser has been very kind and extremely helpful. She brought all up to date on my pension fund and sent me the info I needed. I've been with Beals since 2018 and always had a great service.

Our Pension & Retirement Services

Our approach is personal and tailored to your goals, ensuring every recommendation is clear,
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Free Pension Reviews

Our free pension review helps you track, consolidate, or optimise your pensions. Get expert advice to ensure your retirement savings work harder for your future.

Free Pension Tracing

Find lost or forgotten pensions using our free pension tracing service. We help you track old pots and bring your retirement savings together.

Pension Consolidation

Our pension consolidation service helps you combine multiple pension pots into one plan, giving you clearer control and easier management of your pensions.

Pension Transfers

Our pension transfer service helps you switch to a plan that better suits your goals. We assess your options to ensure your pension works harder for your retirement.

Pension Annuities

A pension annuity can provide guaranteed income for life. We help you explore annuity options to secure a stable and reliable retirement income.

Pension Drawdown

Pension drawdown lets you take a flexible income from your pension while keeping the rest invested. We help you make the most of your retirement savings.

Retirement Planning

Our retirement planning service helps you prepare for the future with tailored advice on pensions, savings, and income options to secure your ideal retirement.

25% Tax-Free Cash

Access up to 25% of your pension tax-free and use it how you choose. We’ll guide you through your options to make the most of this retirement benefit.

Final Salary Pensions

Final salary pensions give guaranteed income for life. We help you understand your scheme and decide whether to keep it, or explore other options.

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

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Latest Pension News

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Expert Pension Advice, Tailored to You

Complete the form below to speak with a qualified adviser about your pensions and retirement options.

Frequently Asked Pension Questions

What is pension tax relief, and how does it work?

Pension tax relief allows you to receive tax benefits on your pension contributions. For every contribution you make, the government adds an extra amount based on your income tax band. Basic rate taxpayers receive 20%, higher rate taxpayers receive 40%, and additional rate taxpayers receive 45%.

What is pension consolidation?

Pension consolidation involves combining multiple pension pots into one. This can make managing your retirement savings easier and reduce fees, but it’s important to seek professional advice to avoid losing valuable benefits or guarantees.

How do I trace lost or old pensions?

If you have a lost of forgotten pension pot, our free pension tracing service can help you locate them.

What is the difference between defined benefit (DB) and defined contribution (DC) pensions?

A defined benefit (DB) pension provides a guaranteed income in retirement, typically based on your salary and years of service with your employer. A defined contribution (DC) pension, on the other hand, depends on how much you and your employer contribute and the performance of your chosen investments. The income from a DC pension is not guaranteed and depends on market conditions at retirement.

Why should I regularly review my pension?

Regular pension reviews help ensure your retirement savings are on track. They allow you to assess fund performance, investment choices, and fees, ensuring your pension strategy aligns with your evolving goals and any changes in legislation. A review also provides an opportunity to consolidate old pensions if appropriate.

What is a pension drawdown?

Pension drawdown allows you to take flexible income from your pension while leaving the rest invested. It offers more control over your retirement income but comes with investment risks.

What is the annual allowance for pension contributions?

The annual allowance is the maximum amount you can contribute to your pension each year with tax relief. For most people, this is £60,000 per year, but it can be lower if you have already accessed your pension or are a high earner.

Can I transfer my final salary pension?

Yes, but transferring a final salary (or defined benefit) pension to a personal pension involves risks. You could lose guaranteed income, so it’s essential to get regulated financial advice before making a decision.

When can I access my pension funds?

Currently, you can access your pension funds from the age of 55, rising to 57 from 2028. You can choose various options, including taking a tax-free lump sum of up to 25%, buying an annuity, or using a drawdown to access your pension flexibly while keeping it invested.

How can I maximise my pension’s tax allowances?

To maximise your pension’s tax efficiency, you can take advantage of tax relief on pension contributions up to your annual allowance, currently £60,000 per year (2025/2026 tax year), or 100% of your earnings, whichever is lower. You can also use the carry-forward rule to utilise any unused allowances from the previous three tax years. Additionally, drawing from your pension strategically can help minimise tax on withdrawals. A financial adviser can help you plan effectively to make the most of your tax allowances.

Expert Financial Advice UK Wide