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Common Pension Review questions.

Ask our Support Team

How many years NI do I need for a full state pension?

Under the new State Pension rules you will usually need at least ten qualifying years on your National Insurance record to get any State Pension. You'll need 35 qualifying years to get the full new State Pension.

What is the benefit of a pension review?

What is the benefit of servicing your car every year? Making sure the brakes work, making sure the engine is running smoothly and efficiently for the best performance. A regular review ensures you are on track or identifies any shortfalls that need addressing.

How much is the UK state pension?

The full new State Pension is £179.60 per week. The actual amount you get depends on your National Insurance record. The only reasons the amount can be higher are if you have preserved benefits such as Additional State Pension.

Why should I use retirement cashflow modelling?

 Cashflow modelling brings real clarity to your decision making, enabling you to model your current strategies. You can also looking at 'what if' scenarios which can model extra savings, different investment returns, early retirement analysis and many more.

I don't see or hear from my adviser, is it worth switching?

A financial adviser is expected to provide an ongoing service of review and advice, to ensure your financial plans are on track to meet your needs. If this service is not being provided, you could speak to your current adviser for an explanation, but you are free to seek an alternative adviser at any time. 

Pre-Retirement Planning

At Retirement Planning


The Pension Review Process

Working with HB Partners



5 Simple Questions

   We will discuss your situation and ask you five simple questions, before referring you to our Professional Pensions Guru partner.

Our Pensions Guru partner will take over from us and engage with you directly to give a free review of your pension.

The Professional Pensions Guru




   If your pension needs adjusting our Pensions Guru partner will discuss the options with you.

   Our Pensions Guru will continue to manage your pension, and ensure it is ready for when you need it.

Back on Track

Everybody should have their pension reviewed to make sure it is performing in line with their retirement plans, whatever stage they are in:

Free Pension Review

 Is your Pension performing and retirement ready?

If you would like us to refer you to our Pensions Guru partner, please call us on 01923 964160

Meet our Advisers

01923 964160


An opportunity to assess all of your pension plans for suitability, cost and investment options, to provide real clarity on where you currently are, and what this might provide as an income when you retire. Combining this with a full financial review will place these plans in context, with your other assets. Goals could also help you create a realistic strategy for all the significant events in your life.


The focus should not be the capital amount (£300k), but what retirement looks like, what you are likely to spend and how long that is going to last. Your Financial Adviser can calculate this through cashflow modelling with.


We would need two responses from you to answer this question. 1) What are you spending now on living costs and leisure? 2) What are you likely to spend in retirement on living costs and leisure? Once you have these numbers, a strategy of saving and investment could be put in place to help reach your desired lifestyle in retirement.


Divorce is a complex area, and you should seek advice from a qualified adviser. Pension plans are typically included when assessing the assets of both parties in a divorce. A Pension Sharing Order could be applied to your pension, transferring ownership of some of your pension plan to your former partner.

Frequently Asked Questions

Our Pensions Guru partner is always ready to help. 

If you have a specific question, please click below to make your enquiry, and we will be happy to help you.

Please contact us if you would like us to refer you to our Pensions Guru partner

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Why use us?

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We are qualified to advise you on your equity release requirements.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

Get in touch

At HB Partners, we do not offer pensions advice. We have, however, partnered with a trusted whole of market Independent Financial Adviser (IFA) firm who specialises in this area. We have known this firm for many years.

Home > About Us > Free Pension Review

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

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