Clear, Independent Guidance to Help You Make the Most of Your Pensions
Understanding your pensions can feel confusing, with multiple pots, changing rules, tax implications, and constantly shifting markets. Whether you’re approaching retirement or want clarity about what you have, independent pension advice can make a huge difference.
At Manning Gee Investments, we help people across Bristol bring clarity, structure and confidence to their pension planning.
Our advice is independent, jargon-free, and wholly focused on your wellbeing and long-term security.
Why People in Bristol Seek Pension Advice
Most people tell us the same things before we begin working together:
- “I don’t know how much my pensions are worth.”
- “I’m not sure if I have enough to retire.”
- “I’ve got pensions scattered everywhere.”
- “What’s the best way to take income?”
- “Should I consolidate?”
- “Will my money last?”
If any of these sound familiar, you’re in the right place.
We help you understand your pensions clearly — what you have, what you’ll need, and how to get from here to where you want to be.
Pension Advice Made Simple
We focus on helping individuals and couples with £100,000+ investable assets who want clarity and confidence about their retirement future.
Here’s how we support you:
1. Understanding What You Have
We gather and analyse your existing pensions, including:
- workplace pensions
- personal pensions
- legacy or old employer pots
- stakeholder pensions
- SIPPs
We explain everything simply — no jargon, no overwhelm.
2. Pension Consolidation Advice
Many people have pensions scattered across employers and providers.
Consolidation may help you:
- reduce fees
- simplify your finances
- improve investment choices
- make planning easier
… but consolidation isn’t always the right answer.
We compare your pensions side-by-side and explain the pros and cons clearly.
Note: We do not provide advice on defined benefit (final salary) transfers.
3. Pension Income Planning
How and when you take money from your pensions has a major impact on tax and long-term sustainability.
We guide you through:
- drawdown
- annuities
- tax-free lump sum options
- sequencing of income
- sustainable withdrawal strategies
- integrating State Pension income
We help you take income tax-efficiently, sustainably, and with peace of mind.
4. Investment Strategy for Pensions
We design simple, evidence-based investment strategies aligned to:
- your goals
- your risk profile
- your timeline
- your need for income
- your desire to grow, protect and pass on wealth
Our approach focuses on clarity, discipline and long-term outcomes.
5. Annual Reviews and Ongoing Support
Your pension needs change over time.
We keep your plan on track with:
- annual reviews
- proactive tax planning
- updates on legislative changes
- regular check-ins
Retirement planning isn’t a one-time event — it’s a journey.
Why Choose Manning Gee Investments?
Independent and Whole-of-Market
We work for you, not any pension provider.
Clear, Simple, Human Advice
No jargon or sales pressure. Just plain English advice centred on your journey.
Focused on What Matters
Your wellbeing, your family, your security.
A Bristol Firm with National Reach
Meet us in person or online, whatever you prefer. We are Bristol-based but cover the UK, including a base in Edinburgh, Scotland.
Fair, Transparent Fees
You always know what you’re paying and why.
Clients from £100,000+
Where our planning delivers maximum value.
Common Pension Questions We Help Answer
- When can I afford to retire?
- Should I consolidate my pensions?
- What’s the best way to take my 25% tax-free lump sum?
- How do I take income tax-efficiently?
- How do I avoid running out of money?
- What investment strategy should I use?
- What happens to my pensions when I die?
- What about the new pension tax and IHT rules?
If you’ve asked yourself these, you’re not alone — and we can help.
Our Pension Planning Process
- Free Discovery Call
Understanding your goals and concerns. - Pension Review & Analysis
Gathering information and assessing your pensions. - Your Pension Plan
Clear recommendations tailored to your life. - Implementation
Only when advice genuinely adds value. - Ongoing Review & Support
Keeping your plan on track as life changes.
What Our Clients Say
“Always friendly, quick, informative responses with a genuine approach.”
“Thank you for your kindness, guidance and tenacity.”
“I would not hesitate to recommend Sam, Naomi and the team.”
Your financial journey deserves advisers who care.
Start Your Pension Journey Today
Whether you’re preparing for retirement, already retired, or simply want clarity about your pensions, we’re here to help you build a secure, confident future.
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