Gardner Massey Wright - Independent Financial Advisers
Gardner Massey Wright -  Independent Financial Advisers


With pension planning becoming more and more topical it is important that you receive the right advise for your retirement.


Pension freedom allows you choices you did not have in the past as you can now take your whole fund as a lump sum but in reality would you want to? The reason you have saved into a pension plan all these years hasn't changed. The way you can take your pension has, with the changes that came into effect in April 2015 need expert advice now more than ever.


At Gardner Massey Wright we have the experience and expertise to assist you in this most important area of financial planning, remember after buying your home it will probably be your most expensive purchase.

We can help you with the important decisions you have to make in planning for the future and also when you are approaching retirement.


We offer advise on;


Stakeholder and Personal Pensions


Occupational Schemes


Options at Retirement


Transfers from other Schemes


Most people come to retirement and accept the pension (annuity) being offered by the company they have saved with, this can be a big mistake and could cost you thousands of pounds. At retirement you have the option to shop around for the best possible pension (annuity). This is called the open market option and we can do this for you.


Your occupational (works) pension is a great way to get a guaranteed and increasing income for life however we would strongly urge you to review this with a proffessional qualified financial adviser before you commit to any scheme. Once this has been discussed and analysed you may feel that there are better options for your situation.


We also find that without advise you could be making the wrong choices and once an annuity or occupational pension has been set up you cannot (in most cases) change it.

We Offer a free, no obligation pension review.


Arrange a retirement Review


In 2012 the government introduced auto enrolment for all employees. This is in an effort to bridge the pensions gap and will result in all employers and employess ultimately contributing 8% (5% from the employee and 3% from the employer) of banded earnings towards a pension.

Please read our free guide below;


Automatic enrolment
Adobe Acrobat document [658.2 KB]





Free Guides

Guide to Annuities
A brief guide on the options available when making the decision on how to take your pension.
Guide to annuities.pdf
Adobe Acrobat document [3.7 MB]


Gardner Massey Wright IFA Ltd

35 Market Street,






01942 526556

*All calls are recorded for training purposes.




You may also use our contact form.


Opening Hours:

Monday to Friday 9:00am to 5:00pm

Evenings and weekends by appointment

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© Gardner Massey Wright IFA Ltd is authorised and regulated by the Financial Conduct Authority. Registered in England 6045974. 35 Market St, Hindley, Wigan, WN2 3AE