The Pension Specialists · Est. 1996
Retire with certainty.
Know exactly when you can stop working, how much you’ll have to live on, and how to keep more of it from the taxman. Independent pension and retirement advice from the specialists trusted with over £1bn of clients’ money.
- Worth over £800 — yours free
- No obligation, no hard sell
- Plain English, always
“Information in plain English so never confused. Everything explained clearly.”
- 4.9/5 “Excellent” from 950+ reviews on Trustpilot
- FTAdviser Top 100advice firm
- FCA authorisedand regulated · No. 839943
- Years of specialist advice
- 30
- Funds under management
- £1bn+
- Clients who stay with us
- 5,000+
- Dedicated people in Newcastle
- 100+
Where most people start
Every retirement begins with the same five questions.
We’ve spent 30 years answering them — clearly, honestly and in plain English. Choose the one that’s on your mind.
Get my answers, freeWe bring together your pensions, savings, State Pension and the lifestyle you want, then show you the age you could stop working — and what small changes could bring that date closer.
Try our retirement calculatorWe build an income plan designed around your life expectancy, inflation and market ups and downs — so you can spend with confidence instead of worrying about every withdrawal.
Answer this in my free reviewWith your permission, we contact your providers, trace lost and forgotten pots, and compare charges and benefits. Then we tell you honestly whether combining them makes sense — and when it doesn’t.
Find my pensionsTax-free cash, drawdown, annuities, ISAs — the order you draw from matters. We’ll map out the most tax-efficient way to turn your savings into a reliable income.
Plan my incomeFrom 6 April 2027, most unused pensions will count towards your estate for Inheritance Tax. We’ll help you plan now, so more of what you’ve built reaches the people you love.
Protect my legacyHow we help
Specialist advice for every stage of retirement.
Whether retirement is ten years away or already here, you’ll have one expert adviser who knows your plan inside out.
Pension advice
Find every pension you’ve ever had, see what each one really costs, and decide whether bringing them together makes sense — including old workplace schemes and transfers.
Explore pension advice 02Retirement planning
A clear plan for when you’ll stop work and where your income will come from — tax-free cash, drawdown, annuities and State Pension, in the right order.
Explore retirement planning 03Investment management
Disciplined, diversified portfolios overseen by our Investment Committee alongside our partner LGT Wealth Management — including our own Saruja fund range.
Explore investments 04Tax & estate planning
Make full use of your allowances, avoid unnecessary tax and plan for Inheritance Tax, so more of your wealth stays in the family.
Explore tax planningReeves Private Clients
For larger or more complex wealth: a dedicated adviser, bespoke investment solutions and strategic wealth management, built around you and your family.
Changing 6 April 2027
Your pension is about to become part of your estate for Inheritance Tax.
For decades, pensions have been one of the most tax-efficient things you could leave behind. From April 2027, most unused pension funds will count towards your estate — and could face tax of up to 40%. If your pension is part of your legacy plan, now is the time to review it.
Your free financial review
Expert advice worth over £800. Yours for nothing.
One conversation could change the way you see your retirement. Here’s what you’ll come away with:
- A complete picture of every pension and investment you hold — including any you’ve lost track of.
- The truth about charges — what you’re really paying, and whether you’re getting value for it.
- When you could retire and what your income could realistically look like.
- Straight answers on tax-free cash, drawdown, annuities and transfers.
- A clear report of your options — with no obligation to go ahead.
-
1
Tell us about you
A relaxed, no-obligation conversation about where you are now and where you’d like to be. No jargon, no pressure.
-
2
We do the legwork
With your permission, we contact your pension providers, gather the details and analyse your options. No chasing paperwork yourself.
-
3
Get your answers
Your FCA-registered adviser talks you through your report. If you’d like our help putting it in place, every fee is explained in writing first.
Takes two minutes. Or call free on 0800 989 0029.
Client reviews
Don’t just take our word for it.
-
“Have been with Reeves for about 12 years. In all that time the quality of service has been outstanding.”
Greg Lynch
-
“Genuine professional and friendly service focused on me and my needs for the future.”
Craig Forster
-
“Information in plain English so never confused. Everything explained clearly.”
Kevin LeMaire
-
“Staff are very knowledgeable and helpful and I can recommend them 100%.”
Steve Nicks
-
“Personal contact — sound advice and friendly guidance.”
Ian
-
“I couldn’t have picked a better company.”
Gary Laird
Retirement calculator
When could you retire?
Move the sliders for an instant estimate. Then let a specialist turn it into a real plan.
Estimated pension pot at 63
£0
Adjust the sliders to see your estimate.
Get my exact figures — freeWe’ll add these figures to your booking so your adviser can start from where you are.
For illustration only, not advice. Assumes growth of 3% a year above inflation after charges, an annual withdrawal of 4% of your pot, and the full new State Pension (£241.30 a week in 2026/27) from age 67. Figures are in today’s money. Your actual outcome will differ, and the value of investments can fall as well as rise.
Our story
Born on the Tyne. Trusted across the UK.
In 1996, Nigel Reeves started Reeves as a one-man operation in Newcastle, built on a simple belief: people deserve honest, expert advice about the money they’ve spent a lifetime building.
Thirty years on, more than 100 people at our National Advice Centre in Benton look after over 5,000 clients and more than £1bn of their savings. We’ve grown. That belief hasn’t changed.
Read our 30-year story- 1996Nigel Reeves founds the firm in Newcastle upon Tyne
- 2022Services Award winner, North East Business Awards
- 2022Partnership with LGT Wealth Management strengthens our Investment Committee
- 2025Launch of our Saruja fund range
- 202630 years, 5,000+ clients — and just getting started
Why Reeves
Six reasons thousands of people choose us — and stay.
-
i.
Independent
As independent financial advisers, we can recommend solutions from across the market. Our advice starts with what’s right for you.
-
ii.
Pension specialists
Pensions have been our specialism for 30 years. Old, complicated or lost — chances are we’ve seen it before.
-
iii.
Plain English, always
No jargon, no surprises in the small print. Just clear explanations, so you always understand your options.
-
iv.
A relationship, not a sale
Many clients have been with us for over a decade. We review your plan regularly, so it keeps pace with your life.
-
v.
Award-winning
An FTAdviser Top 100 advice firm and Services Award winner at the North East Business Awards.
-
vi.
Regulated & accountable
Authorised and regulated by the Financial Conduct Authority. Check our FCA entry (No. 839943).
Insights
Clear thinking on pensions & retirement.
How much does pension advice cost?
Exactly what you’ll pay, when you’ll pay it — and why your review costs nothing.
Read the guide Step by stepFind your forgotten pensions
Changed jobs a few times? Here’s how to track down pots you may have lost along the way.
Read the guide Retirement incomeShould you take your tax-free lump sum?
Three reasons for, and three against, taking your tax-free cash.
Read the article Watch on YouTubePension explainers, in plain English
Short videos from our specialists on the questions clients ask us most.
Subscribe to our channelFAQs
Good questions. Straight answers.
Can’t see yours? Our team is on hand Monday to Friday, 9am to 5.30pm.
0800 989 0029Is the review really free?
Yes. Your review and our recommendations cost nothing, and there’s no obligation to go ahead. You only pay if you decide you’d like us to put a plan in place — and you’ll see every fee in writing before you commit.
How much does advice cost if I go ahead?
Our fees depend on the advice you need and the size of your funds, and we’ll always agree them with you upfront. For a full breakdown, read our guide: how much does pension advice cost?
Do I need a large pension to get help?
No. Whether you have one small pot or several larger ones, a review will show you exactly what you have and what your options are.
I live outside the North East. Can you still help?
Yes. Our head office is in Newcastle upon Tyne, but we advise clients across the UK. Get in touch and we’ll arrange your review at a time that suits you.
Are you regulated?
Yes. Reeves Independent Limited is authorised and regulated by the Financial Conduct Authority (FCA Register No. 839943). You can check our entry on the FCA register.
What do I need to have ready?
Nothing to start with. If you have recent pension statements to hand, great — but with your permission we can contact your providers and gather the details for you.
I already have an adviser. Can I get a second opinion?
Of course. Many clients come to us for a fresh look at their plan, their charges or their investments. A review will show you whether there’s a better way.
Book your free review
Your retirement, made clear.
Answer three quick questions and one of our team will be in touch to arrange your free financial review — worth over £800, with no obligation.
- 1We’ll call to arrange a time that suits you
- 2We gather the details from your providers
- 3You get clear answers and a plan of your options
Mon–Fri, 9am–5.30pm (closed bank holidays)