Expert Pension Planning
Advice & Support

It’s never too late to start thinking about your retirement. At Seifert & Dunk, we provide expert guidance for retirement planning, whether you are just starting off, or are ready to start receiving your retirement income.

Get a no obligation consultation from a Chartered Financial Planner today and grow your knowledge of pension planning instantly.

Secure a no obligation pension planning consultation

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Seifert & Dunk Wealth Management, together with St. James’s Place Wealth Management, is the controller of any personal data you provide to us. For further information on our uses of your personal data, please see the Partner’s Privacy Policy or the St. James’s Place Privacy Policy

Helping you understand and manage your pension planning

Our experts can provide the support you need at every stage of the process.

  • Pension planning
  • Pension reviews
  • Pension tracing
  • Lifetime allowance
  • Drawdown advice
  • Annuity advice
  • Tax free cash advice
  • Defined benefit / final salary

What our clients say

“Matthew has been our adviser for many years and it gives us peace of mind that our pensions and Investments are in the hands of someone we trust implicitly. We would be delighted to recommend Seifert & Dunk.”

Mr & Mrs Whitcombe

“Without having the time or particular interest in financial matters, it gives me comfort to know my interests are in safe hands. Matthew is helpful, professional and trustworthy. I would happily recommend him.”

Mrs G Poole

How it works

Book a no obligation consultation

To get started, all you have to do is enter your details on the form below and request a no obligation consultation with one of our expert advisors.

Define your goals
and needs

During the meeting, we will cover how we work and what you can expect from choosing us as your pension advisor. We will also help you to define key goals by looking over any initial plans you have made.

Receive tailored advice and recommendations

We will then prepare formal recommendations for you based on your requirements and any existing plans. We will take time to go through these with you to ensure your thorough understanding.

Book your pension planning advice consultation here

We can conduct secure virtual consultations through our digital advice platform, providing a face-to-face experience with ultimate convenience.

"*" indicates required fields

Consent*

Seifert & Dunk Wealth Management, together with St. James’s Place Wealth Management, is the controller of any personal data you provide to us. For further information on our uses of your personal data, please see the Partner’s Privacy Policy or the St. James’s Place Privacy Policy

Why choose us?

No obligation, expert consultations

Discuss your requirements with our experts with no obligation to proceed. There’s nothing to lose and potentially a lot to gain.

Fast, friendly and efficient service

Complete our booking form and we will schedule a meeting at your convenience. We will ensure gold standard service throughout our partnership.

Chartered Firm, specialist advisers

We are a Chartered Firm made up of industry specialists with a passion for providing excellent service. Enjoy the comforting feeling of being in the safest hands.

Secure and confidential

Your privacy is very important to us. We make sure that all data is confidential and secure for all of our clients, giving you peace of mind that your financial information is looked after.

Consultations that suit you

Video consultations

At Seifert & Dunk, we are passionate about making advice accessible and convenient. As such, we are delighted to be able to offer meetings via our digital advice portal, giving you a face-to-face experience with ultimate flexibility.

We believe the ability to share the screen during a meeting, plus save and sign documents electronically, make a proposition for the modern era. Meet with your advisor via our digital advice portal and receive our gold standard service wherever you are.

Face-to-face consultations

We also offer traditional, in-person appointments, carried out at your home or at one of our offices.

Telephone consultations

We can conduct appointments over the phone if this is your preference. In our experience, a phone call works well as an initial point of contact, however we feel a video or face-to-face meeting can facilitate a more detailed and engaging conversation.

Pension advice FAQs we can answer

How much do I need to retire?
Financial planning using cash flow modelling can assist with determining how much you will need in retirement each year, together with your targeted pot size at retirement.
Are my pensions on track to reach my income goals?
A financial planner can review your various pension plans and their growth potential in light of your risk profile to determine whether they are on track to meet your needs.
What are my options when I retire?
Depending on your risk profile, you could draw an income / lump sum from your pension flexibly each year or purchase a guaranteed income for the rest of your life. Each has its own merits and it’s important to discuss these options in depth with a pension expert.
Do my pensions match my risk appetite?
Have you ever spoken to a pension expert about your risk profile, or whether the investments you hold align with the level of risk you are taking? Failure to match accurately could have significant implications for your retirement goals.
How much tax free cash can I take?
Typically 25% of your pot. However, older pension contracts might have generous benefits, allowing you to withdraw more, tax free. It’s important to arrange a review of your pension plans with an expert to ensure you do not lose any benefits.
What happens to my pensions when I die?
Pension plans which have not been drawn down could pass to your financial dependents / other beneficiaries. It’s important to review and update your Expression of Wish form linked to your pension to ensure your pension will transfer in line with your wishes.
How does tax relief work?

Essentially, subject to certain allowances, some of the money you would have paid in tax on your earnings goes into your pension pot rather than to HMRC. Depending on how you contribute to your pension, you could obtain tax relief at your highest marginal income tax rate.

This is on the basis that any tax relief over the basic rate is claimed via your annual tax return.

How much should I be saving for retirement?
Ideally you should treat saving for retirement like a marathon. Start as early as possible with as much as you can reasonably afford. Life is expensive these days so it’s about finding a balance between living and saving. As you progress through life and your career, try to have discipline in saving more. We can calculate your aspirational income and the pot size you would need. This will help you understand if you are on track, or how much extra you would need to be saving.
What happens if I exceed the lifetime allowance?
If you exceed the lifetime allowance there are potential tax implications. The tax applicable varies depending upon the age you draw the funds, the method you choose (income or lump sum) and your marginal rate of tax. We can assist with understanding the rules and devising a plan if applicable.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels an bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Chartered Financial Planners

Chartered Status is the profession’s gold standard for financial planners. It confirms that every Chartered Financial Planner has completed a suite of professional qualifications equivalent to a bachelor’s degree.

It also involves a commitment to continuing professional development and adherence to an industry standard Code of Ethics. You can view the Code at www.cii.co.uk/code.

Tailored to your needs

Request a call from one of our expert advisers. We are ready to help

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Where to find us

Elstree Office

5 Oaks Court, Borehamwood, WD6 1GS

Monday 9:00am to 5:00pm
Tuesday 9:00am to 5:00pm
Wednesday 9:00am to 5:00pm
Thursday 9:00am to 5:00pm
Friday 9:00am to 5:00pm

Email  Call Us

Bucks Office

204 Penn Road, Hazlemere, HP15 7NU

Monday 9:00am to 5:00pm
Tuesday 9:00am to 5:00pm
Wednesday 9:00am to 5:00pm
Thursday 9:00am to 5:00pm
Friday 9:00am to 5:00pm

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City Office

30 Lombard Street, London, EC3V 9BS

Monday 9:00am to 5:00pm
Tuesday 9:00am to 5:00pm
Wednesday 9:00am to 5:00pm
Thursday 9:00am to 5:00pm
Friday 9:00am to 5:00pm

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Meet the team

Please use the links below to learn more about the team.

Jonathan Seifert

Director

Full profile

Mathew Dunk

Director

Full profile

Karen Webb

Mortgage and Wealth Management Adviser

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Phil Stebbings

Business Consultant

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Callum Temple

Office Manager

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Mandy Bull

Partner Support Staff

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Nick Hill

Paraplanning Consultant

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The Partner Practice is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

Seifert & Dunk Wealth Management is a trading name of Seifert & Dunk Wealth Managers Limited. Seifert & Dunk Wealth Managers Limited is a Limited Liability Partnership registered in England and Wales, Number 10911722. Registered Office: Charles House, 5-11 Regent Street, London, SW1Y 4LR.