Your questions, answered.
We advise on defined contribution pension pots and include expected defined benefit income in your wider plan and cashflow forecasts. We do not provide advice on transferring defined benefit pensions.
We advise on invested defined contribution pension pots and how they fit your wider retirement plans. Your GSK statement and current member guide can help identify the arrangement you hold.
If you also have defined benefit pension entitlements, we can include the expected income in your financial plan and cashflow forecasts. This helps connect that income with your other pensions, investments, State Pension and retirement spending. We do not provide advice on transferring defined benefit pensions.
This is general information, not personal financial advice.
Lifestyling changes a pension’s investment mix automatically as its selected retirement date approaches. The planned route through those changes is often called a glidepath.
Profiles can prepare for cash withdrawals, an annuity or drawdown. The right questions are what your profile targets and whether that still fits your plans. Automatic changes do not remove investment risk or guarantee an outcome.
This is general information, not personal financial advice.
Your latest statement and current member guide identify your pension arrangement and administrator. The official GSK pensions website provides scheme information. Check your selected fund or lifestyle profile, retirement date and current factsheets.
We advise on invested defined contribution pots and can include expected defined benefit income in your wider plan. We do not provide advice on transferring defined benefit pensions.
Explore financial advice in Stevenage, Hertfordshire, pension drawdown and pension consolidation. Book a free consultation.
This is general information, not personal financial advice.
Your initial consultation is a chance to talk about your plans, ask questions and see whether Everwealth is the right fit for you. You do not need to know which service you need before we talk.
We regularly meet clients at home. If you prefer, we can arrange an appropriate office or meeting location near you. Telephone and video meetings are also available where suitable.
Your initial consultation is free. Any fees will be explained before a meeting takes place, and all meetings are without obligation.
This is general information, not personal financial advice.
Bringing pension pots together can make them easier to manage, but keeping separate pensions may be appropriate. We review costs, investments, guarantees and other valuable benefits before recommending whether to keep a pot or move it.
A transfer is not automatically the right choice. Read MoneyHelper’s guide to combining pensions.
This is general information, not personal financial advice.
A lifestyle strategy may use the retirement date recorded on your account to time investment changes. If you plan to retire later, gradually or using a different income option, those changes may no longer reflect your intentions.
Check the date and what your fund is designed to do before changing either. Your scheme can explain its rules. Personal advice considers the whole plan rather than the date alone.
This is general information, not personal financial advice.
If you have not chosen investments, your contributions may be in your scheme’s default arrangement. Your statement or member portal should identify the fund or lifestyle profile.
Check its factsheet, investment mix, charges, selected retirement date and intended retirement outcome. A default can be a useful starting point, but it is not a personal financial plan. Before changing funds, consider your circumstances and any effect on your workplace benefits.
This is general information, not personal financial advice.
Yes. We can include expected defined benefit pension income in your wider financial plan and cashflow forecasts. It sits alongside invested pension pots, State Pension, savings and the spending you want retirement to support.
This can help you see the whole income picture. We do not provide advice on transferring defined benefit pensions. Your scheme administrator can explain your entitlement and the options available under its rules.
This is general information, not personal financial advice.
Investment returns will not follow a smooth path. We consider the risk you are comfortable taking, your capacity to absorb losses and how withdrawals could affect your invested pension over time.
Cashflow forecasts can explore less favourable outcomes and changes in spending. They cannot remove investment risk or guarantee how long your money will last. Investments can fall in value and you may get back less than you invest.
This is general information, not personal financial advice.
Investment pathways are ready made investment options for people entering drawdown without personal investment advice. They relate to how you expect to use the remaining pot over the next five years.
The broad choices cover leaving the money invested, buying an annuity, taking a continuing income or withdrawing the whole pot. They are different from the lifestyle strategy used while saving. They do not remove investment risk or replace a personal plan.
Read MoneyHelper’s investment pathways guide.
This is general information, not personal financial advice.
No. Everwealth provides independent financial advice and is not affiliated with or endorsed by GSK or its pension schemes.
This page is for people considering how an invested GSK pension pot fits their wider retirement plans. For scheme administration, member records and official rules, use your current member guide or contact the scheme administrator.
This is general information, not personal financial advice.
Where ongoing advice is agreed, reviews help keep your plan connected to your life. We can revisit your objectives, investments, spending and retirement income as circumstances change.
An ongoing relationship also gives you a place to discuss new questions and changes in your priorities. The scope and cost of any ongoing service will be explained before you decide whether to proceed.
This is general information, not personal financial advice.