We are a long established firm of independent financial advisors, offering a professional financial
Optima Financial is a team of dedicated Independent Financial Advisors (IFA’s), serving a wide range of personal and business clients. Separately regulated by the Financial Conduct Authority the business is well established and proud of it’s high service standards befitting a professional accountancy practice. Unlike many IFA businesses and high street banks, we are service orientated not sales driven, and our clients can be confident that we will treat them fairly by putting their needs first.
08/04/2026
The final part of our pension series is here.
The wealth team are ending with an important update; how pensions may now be considered when calculating Inheritance Tax, and what that could mean for you.
If you’re unsure what to do next with your pension, now is the time to take stock and plan ahead.
Read our latest insight to understand the changes and your options: https://www.turpinbawealth.co.uk/blog/pensions-death-and-tax
Decumulation might sound technical, but it’s really about one simple thing: turning your life savings into the lifestyle you want.
There’s no one-size-fits-all approach when it comes to taking money from your pension. Whether it’s drawdown, annuities, lump sums or a combination the right strategy depends on your goals, needs, and circumstances.
That’s where we come in. We help you make confident, informed decisions so your money works for you in retirement.
Get in touch to talk through your options.
It’s easy to set up a pension and leave it running in the background.
But many people don’t realise what their pension is actually invested in, or whether it still suits their goals and attitude to risk.
Taking a moment to understand your pension investments can help ensure they’re working the way you expect for your future.
25/02/2026
Pension planning isn’t just about how much you save it’s about how your pension works, who it goes to, and when you actually need to act.
From beneficiary nominations to investment risk and retirement options, there are plenty of common misconceptions that can catch people out.
Our latest insight shares some practical pension tips and highlights where early planning can make all the difference.
Read the full blog https://www.turpinbawealth.co.uk/blog/pension-top-tricks-and-tips
When it comes to pensions, contributions aren’t just deductions from your salary they’re deferred pay. Money you’re setting aside now to support the lifestyle you’ll want later.
The key is consistency.
The earlier you start and the more consistently you contribute over time, the greater the potential impact on your retirement savings. Even small increases can make a meaningful difference in the long run.
This stage of building your pension pot is known as the accumulation phase and it’s one of the most important parts of your retirement journey.
If you’re unsure whether you’re contributing enough, or would like to review your current pension strategy, our Wealth Management team is here to help.
10/02/2026
Do you know the most tax-efficient way to save for retirement? It’s your pension.
We all plan to stop working one day but what will pay the bills when that day comes? Your pension plays a key role in making that possible.
To help you get back to basics, we’re launching Pension Bootcamp covering what a pension is, how it works, and why it’s one of the most powerful tools for your financial future.
Having a pension is a great start… but understanding it and making sure it’s working hard for you is what really makes the difference.
Read our latest insight and get back to basics on pensions, take control of your retirement planning.
https://www.turpinbawealth.co.uk/blog/pension-bootcamp
Getting proactive advice now can help you stay ahead of upcoming pension changes and understand how they may affect your estate.
From 2027, pensions are expected to form part of your estate, making forward-thinking financial planning more important than ever.
Starting the conversation today could make a meaningful difference tomorrow. Speak to our team to find out how we can help.
Most of us don’t like to think about the “what ifs”, but the reality is that life can change in an instant. FCA research shows fewer than half of people in the UK currently hold a protection policy meaning many families may not have a financial safety net if illness or loss of income occurs.
For many, the barriers aren’t a lack of awareness, but affordability worries, uncertainty over what cover is right, or simply not having had the time to look into it. Whether it’s life insurance, critical illness or income protection, understanding the options available can help you feel more secure in the face of uncertainty.
Taking a moment to review your protection today could make a meaningful difference to your financial resilience tomorrow.
UK regulators are planning to introduce clearer performance, cost and value-for-money data for pension schemes, making it easier for you to see how your pension compares.
This added transparency is a positive step, but many people still don’t know how well their pension is performing or whether it’s on track to support the retirement they want. Even with clearer data, understanding what it means and what action to take, isn’t always straightforward.
That’s where advice can help. A review can give you clarity on your pension’s performance, value for money and long-term suitability.
Don’t wait for new ratings to be published. Speak to a TBA advisor today and check your pension health.
Many people believe they need far more for retirement than reality suggests.
That myth can lead to inaction even though pensions remain one of the most valued workplace benefits.
Understanding what you really need, and getting the right advice, can help turn your pension into a plan and your intentions into action.
Read more in our latest blog: Pensions & Retirement – Detaching myth from reality https://www.turpinbawealth.co.uk/blog/pension-retirement-myth-and-reality
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