You may have a pension from a job you left, an ISA you opened in a hurry, and cover you bought with the mortgage. We go through the lot, help you understand what you have, what it may be worth and whether anything is missing, and you keep the write-up whether you use us or not.
At no cost to you, and you keep the summary either way.
Nine areas, coordinated through one adviser. You tell your story once, to somebody who then keeps your file.
Most advice starts with something that has just changed. Start with yours.
How far your pension goes alongside the State Pension.
Read more →See what each provider charges and how to move or draw on a pot.
Read more →How pensions are valued and divided, in each part of the UK.
Read more →The 18% relief, the £1 million limit and the pension before the sale.
Read more →Paying into your pension from the company.
Read more →Pensions count towards inheritance tax from April 2027.
Read more →
You get a written summary of where you stand, including where nothing needs changing.
If anything needs doing, you get the recommendation and the price in pounds, and you decide. After that we look at it again every year, and sooner if you change jobs, move house, inherit, get ill or sell a business.
The six steps in full →Will figure: Money and Pensions Service. Tax figures: 2026/27 rates, which can change at any Budget.
Tax treatment depends on your circumstances and on current rules. The Financial Conduct Authority does not regulate tax advice, trusts or will writing.
Sunny and Tony are independent financial advisers and Mike advises on mortgages and equity release. All three are on the Financial Conduct Authority register, which you can check before you speak to anyone. Carlo arranges your first meeting.
No. Neither does the health check that usually follows it. You get a price in pounds before anything else happens.
Less than people think. Most of this work is for people with a couple of pensions, a mortgage and a family. A messy £80,000 needs more thought than a tidy £400,000.
Yes, and we start there. Sometimes the answer is to bring them together. Sometimes it is to leave one alone, because it carries a guaranteed annuity rate nobody sells any more.
Buzz Financial Services is a trading style of Equity & General Financial Services Limited, which is directly authorised by the FCA in its own right, number 474163. It does not work under anybody else's network. There is no restricted panel and no parent company with products to place. We consider a sufficiently broad and diverse range of relevant products and providers across the market, subject to the scope of the service we provide.
Yes, with your say-so. We work alongside the accountant and solicitor you already use, so the advice and their work agree with each other.
No. Most of it is done by phone or video, wherever you are in the UK.
An hour on the phone, and a written summary you keep.
