Pensions are not investments in themselves, but a tax efficient wrapper which can hold certain permitted investments. They have tax advantages over investing personally, but as a result, are governed by a set of rules which control how much can be paid in, how and when you take benefits and what you can invest in.

There are significant tax advantages in making pension contributions and we believe that pensions are likely to continue to be a very important and efficient way of providing income for your retirement.

Our expertise is in helping our clients make the most of pension legislation both while they are saving, but also crucially at the time that they need to create income and or capital from their pension.

Typically, we assist with the following:

  • The appropriate level of annual pension savings to meet your needs in retirement.
  • Final salary retirement options.
  • Lifetime and annual allowance planning.
  • Setting up new pension arrangements, consolidating existing legacy arrangements and beginning the income process.
  • Helping clients to take loans from their pensions to fund their business.
  • Identifying opportunities and creating syndicates to help purchase larger commercial properties which would be beyond the means of an individual investor.
  • Considering appropriate investments that will provide an income linked to inflation.
  • Advising clients on how to draw their pension in the most tax efficient manner.
  • Arranging pensions for other family members, for example grandchildren.
  • Utilising pension funds to purchase assets directly from the client, thus releasing cash from the pension to the individual.

All of these options are still available and new opportunities continue to arise as the legislation on pension changes.

Income tax relief is now only available on contributions up to the lesser of the Annual Allowance or 100% of earned income, or £3,600 for those with no earned income. Whilst there is the ability to carry forward relief from previous tax years, this option needs to be considered alongside the implications of the Lifetime Allowance, particularly for those with larger pension funds.

With the change in tax rules for earners over £150,000 in regard to pensions, Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs) have become far more attractive.

Individuals will need to plan more effectively in the future to take advantage of the rules. Pensions however, will continue to be important in personal planning in the future, particularly for those liable to higher rate income tax and where there is the risk that any personal allowance will be removed.

As a last point we would remind potential clients that it is important when considering pension saving that they start the process in good time prior to any decision needing to be made. The practicalities of making changes can take some time and the legislation does not allow for poor or slow pension administration.

My wife and I really value the advice and support we’ve received over many years. Our key contact is Tim Cosway, whose friendly and calm manner is a real plus. He also involves team members who are equally committed. We particularly value that their approach is that no question is stupid – we always receive a clear and helpful explanation. We have full confidence in the team’s management of our finances and definitely recommend them.


We have consulted Holden and Partners for 10 years.  Having been in financial disarray because of poor advice from our previous financial advisor, we have Tim Cosway to thank for digging us out of a deep financial hole.  As a result of his painstaking tenacity pursuing a claim against our former financial advisor through the Financial Ombudsman Service, which resulted in substantial compensation, we can anticipate a comfortable retirement.  We continue to take Tim’s advice on all financial matters.  He is a pleasure to deal with, and we whole heartedly recommend Holden and Partners, and Tim in particular.

Mike & Jacque

I have been a customer of Holden & Partners since its inception. During this time, no matter what the state of the financial climate, I have always found that their advice has been balanced and fair. They have a good understanding of everyone’s individual circumstances and produced tailored strategies to match these needs and expectations.

Duncan B, NHS consultant

I’ve always received high quality, personable advice at a time of my convenience. My adviser has often travelled to my home in order to provide very personal service. The advice given is clear and unambiguous. The risks of different types of investment have been clearly discussed to allow me to make an appropriate decision on the nature of my investment portfolio. This has been of great importance when considering the available investment options for my forthcoming retirement. I have always considered that Holden & Partners is very client centred and they have my best interests at heart. I have been with Holden & Partners since 1996 and have recommended them to friends and colleagues on many occasions.

Michael, Surgeon

Holden & Partners manage our company pension scheme with a totally professional and dedicated approach. They have worked with us over a number of years, and are able to explain the potential ‘minefield’ that is pensions, to make it perfectly accessible for the staff.

Jeremy, Print Management Partner

On retirement after 40 years of salaried employment, I interviewed several financial advisers, amongst whom Mark Dodd of Holden & Partners was the nicest and seemingly the most understanding of my investment needs and priorities. Since then my wife and I have had regular (c.6-monthly) meetings with him in order to check and, when necessary, adjust the holdings in our portfolio. This has been very helpful and provided a comforting sense of confidence and security. I have recommended Holden & Partners to others and will certainly continue to do so.

Patrick, retired university professor

It’s easy to feel powerless in the face of global trends such as climate change and environmental destruction. But I feel I regain power as a consumer and a citizen by thinking about where I spend my money and to whom I entrust my savings. I chose Holden and Partners because they were recommended to me and because of their strong track record in ethical investments. It has proven to be a wise choice. Their advisors listened carefully to my needs and created an investment strategy and portfolio that has met and indeed continues to exceed my expectations. The culture of a company also matters to me, I have found their advisors to be well informed and financially shrewd but also easy to speak to and engage with. Many of us find it difficult to trust institutions and organisations these days, but I do trust Holden and Partners to make the right decisions on my behalf.
I would have no hesitation in recommending them to others.

Patrick, Advertising and Marketing Consultant

Read all our testimonials

Contact us

Whether it’s a question about your personal finances or how you can invest your wealth more ethically, we are here to help. Call us on 020 7812 1460, email or complete the form: