Lifetime Allowance Coach

A low-cost way to understand your pension lifetime allowance issues without receiving advice

Lifetime allowance coach is a new service we are offering. It gives you access to an FCA regulated financial adviser who specialises in the pension lifetime allowance, without the need to use our firm as your financial adviser.

Over the last four years, we have helped thousands of people with lifetime allowance challenges. More often than not, the solution is not that complex. It simply needs a detailed knowledge of the rules to work out first if you have a lifetime allowance problem, and if so, the best way to deal with it.

Lifetime Allowance Coach - Capital Wealth Partners

For people who want help with the lifetime allowance without paying for advice

The service is simple. We offer you an hour of our time over the phone or an internet meeting room for £250. During this call, we will discuss your specific case, show you how to calculate your pension value and decide on the next steps you need to take.

We are so confident in the service we provide, that if you were to feel that you did not take value from the call, you can choose simply not to pay our fee. There is no contract to sign and no commitment. The hundreds of previous calls we have delivered have taught us that the type of clients who use our service are happy to pay for a good solution.

What can I expect from a call with a Lifetime Allowance Coach?

Step one: We will take a look at the pension(s) you have and establish a value of both your crystallised and uncrystallised funds. You can find further information on this below.

Once we have established the right values, we can calculate whether you have a lifetime allowance problem or not. In most cases, clients are either just over or just under the lifetime allowance. Fortunately, there are some good solutions either way.

Step two: Now that we have established the problem, we can offer you some guidance on ways to address it. 

There are several ways to approach lifetime allowance planning, and the right way for you will be determined by your wider situation. Due to this, we will go into more detail on what you are hoping to achieve from your pension and offer you several options that suit your needs.

Lifetime Allowance Coach Phone Call - Capital Wealth Partners

So how do I arrange a lifetime allowance coach call?

Simply email us at the address below and tell us the best time to contact you. Once arranged we will call you to go over your case. Alternatively, give us a call to arrange the best time. This might give you a feel for who we are and how we can help before you decide to use the full hour to diagnose any issues.

Warning – The purpose of this service is not to provide you with financial advice. We are simply offering you time to discuss your case with a qualified IFA who will discuss with you the options available. It will be your choice to decide what to do and your responsibility to implement the right strategy for you. We can, however, provide a regulated lifetime allowance report if needed as a separate service.

Questions and answers on our lifetime allowance coach service:

Why would you offer this service for just £250, as most IFAs I’ve contacted want a minimum of £1,000 just to look at my case?

Many people are now managing their own finances. They have chosen not to use a financial adviser as lots of information is available on the internet. Unfortunately, the lifetime allowance is an incredibly complicated piece of legislation and is not easy to deal with by doing your own research.

However, with some extra knowledge of the subject, many people can navigate the issue themselves. Therefore we allow them to use us to fill the knowledge gaps and continue to do their own financial planning.

Other advisers may not offer this option. This could be because they do not have the skills to discuss the topic in detail without coming back to a resource like us to get all the answers. This means the time taken is much greater and subsequently, they need to charge more.

What happens if I don’t get the answers I need on the call?

No pre-payment is required before our call with you. We are trusting you to meet your commitment to pay us when we have provided you with the knowledge you need to continue with your planning.

After the call, we will provide you with several ways to pay, either by cheque or bank transfer and will issue you with an invoice. If you’re not happy with the result, or we cannot help, we will not request payment.

What if implementing the strategy is beyond my capabilities?

Calculating your pension value is usually the hardest part of the lifetime allowance planning process and we will do this for every client. If you decide you like the way we work and would like us to implement the strategy, we can agree on an hourly rate for the work. Then you can decide if you would like us to carry this out.

Lifetime Allowance Discussion - Capital Wealth Partners
Am I receiving financial advice?

No. The time, reporting and research required for a full lifetime allowance advice project starts at £1,500. The £250 call is simply a way for you to discuss your case with us. It allows you to establish if you have an LTA issue, and if so, how you can go about planning for it yourself.

What experience do you have?

Over the last three years, more than 50,000 people have downloaded our guide to the pension lifetime allowance.  We have personally dealt with over 1,000 calls on this topic. In order to get a feel for the type of knowledge we have, take a look at the blogs below, all to do with various parts of the pension lifetime allowance.

As well as being one of the leading advisers on the pension lifetime allowance in the UK, we have access to a network of actuaries that work for some of the UK’s largest pension providers. We have access to their knowledge bank due to the volume of business we place with them via the financial advice part of our business.

Can I get more Lifetime Allowance information from Capital Wealth Partners?

To help introduce you to some of the possibilities that are available to you we have prepared our ‘Guide to Lifetime Allowances’ and it is free to download. Some of these strategies have saved our clients over a million pounds in tax over the lifetime of their pensions.

Click here to view our main Lifetime Allowance Guide Page.

Take control of your lifetime allowance issues today

Want the extra knowledge you need to manage your own lifetime allowance issues? Email us now to arrange a call at info@cwpwealth.co.uk or call us directly on 0844 338 662.

Lifetime Allowance Coach Enquiry

  • review rating 5  If I could leave 6 gold stars, I would definitely do so! Thank you so much for taking the time to speak with me this morning, Alexander, and for such a clear and cogent explanation of my position in the amazingly complex area of the lifetime allowance - absolutely brilliant!

    thumb Neil Pepin
    6/19/2018
  • review rating 5  Alexander Ogden of Capital Wealth Partners was extremely knowledgeable and very helpful when advising me about my pension arrangements and their tax implications recently. As important is Alexander's ability to explain complicated issues succinctly and clearly, and to provide advice in terms that are understandable to the layman - something that many advisers are unable to do. As a former banker and Managing Director of a financial services company, I value professional and clear advice - something that I received from Alexander.

    thumb Nicholas Bradley
    6/05/2018
  • review rating 5  Very helpful and speedy answer to my query about Lifetime Allowance for pensions. I feared I would be caught, but my mind has been put at rest! Thank you

    thumb John Hayman
    1/17/2018
  • review rating 5  Alexander gave me clear and concise information relating to the pension Lifetime Allowance which has greatly assisted my planning for retirement. Capital Wealth Partners will be my first stop for investment advice and planning in the future.

    thumb Michael White
    1/12/2018
  • review rating 5  Incredibly helpful advice by alex and he took the time to speak to me. I had sone questions around the lifetime allowance and he was very clear and we discussed my needs and let me make a much better decision moving forward for my pension arrangements. Can't recommend him enough. Thank you.

    thumb Adam Hextall
    11/28/2017
Capital Wealth Partners Limited is a company registered in England and Wales and are authorised and regulated by the Financial Conduct Authority.