Our Services
Pensions & Retirement Planning
Independent pension advice tailored to your future goals
About Our Pension Advice
SBC Financial provides independent, whole-of-market pension advice to individuals and families across central Scotland. Whether you are just starting to think about retirement saving, looking to consolidate existing pension pots, or approaching retirement and planning how to draw your income, our qualified advisers are here to help.
Pensions can be complex, and the decisions you make today can have a significant impact on your financial security in retirement. That is why we take the time to understand your individual circumstances, goals, and timescales before making any recommendation — ensuring the advice you receive is genuinely right for you.
Based in Edinburgh, we offer a personal, face-to-face advisory service and work with clients at every stage of their pension journey — from those saving for the first time to those already in retirement and managing their income.
How We Can Help
Starting a Pension
If you have not yet started saving for retirement, there is no better time than now. We advise on workplace pensions, personal pensions, and stakeholder pensions — helping you understand your options and choose the right starting point for your circumstances and budget.
Pension Consolidation
Many people accumulate multiple pension pots over the course of their working life. Bringing these together into a single, well-managed plan can simplify your finances, reduce charges, and give you a clearer picture of your retirement savings.
Retirement Planning
Planning for retirement is about more than just saving — it is about building a strategy that delivers the income you need when you need it. We help you map out your retirement goals and put a plan in place to achieve them, taking into account all your assets and income sources.
Pension Reviews
Your pension should be reviewed regularly to ensure it remains on track. We offer ongoing pension reviews to assess performance, check your contributions are sufficient, and adjust your strategy as your circumstances change over time.
Why Choose SBC Financial?
- Independent, unbiased advice — not tied to any single pension provider
- Qualified advisers with broad experience across all pension types
- Whole-of-market access to find the most suitable products for you
- Personal, face-to-face service based in Edinburgh, serving central Scotland
- Ongoing support and regular reviews to keep your plan on track
Important: The value of pensions and investments can go down as well as up. You may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change. Pension eligibility and benefits depend on your personal situation.
Ready to Plan Your Retirement?
Speak to one of our independent advisers today for straightforward pension guidance tailored to your individual goals.
Get in TouchRisk warning: The value of your pension can go down as well as up and you may get back less than has been paid in. Past performance is not a reliable indicator of future results. A pension is a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits, which isn't guaranteed, and can go up or down. The benefits of your plan could be affected by changes in tax legislation.