Employee Benefits

EMPLOYEE
BENEFITS

Business protection is an often-overlooked area of insurance. However, arranging effective cover will protect your business from potential risks and threats, as well as your most important assets – your people. If you or a key person fell critically ill and could no longer work, what would be the impact on your day-to-day operations and sales

Supporting Clients Since 35 Years

Client Retention Rate 95%

“TSP Wealth have been and continue to be very helpful in informing & advising on the matters of our investment portfolio as well as the Asset Management Matters. Their communication with the directors to other staff is always courteous and informative. We have full trust with them on our investments.”

Know more about this service

Retirement planning requires structure, discipline, and long-term perspective. At TSP Wealth, we provide comprehensive pension management designed to help you build, optimise, and sustain your retirement income with confidence.

We review existing pension arrangements, advise on consolidation where appropriate, and design tailored investment strategies aligned to your goals, time horizon, and risk profile. Through whole-of-market access and ongoing portfolio oversight, we ensure your pension remains positioned for sustainable growth while managing risk.

As retirement approaches, we guide you through drawdown strategies, tax-efficient withdrawals, and income planning — ensuring your pension supports the lifestyle you have worked hard to achieve.

Our focus is simple: clarity, control, and financial security throughout retirement.

What this service offers

Bespoke Retirement Strategy

A tailored retirement plan built around your goals, lifestyle expectations, and time horizon, aligning your pension assets with a roadmap for long-term financial security.

Retirement Income Strategies

Structured income solutions designed to deliver sustainable cash flow throughout retirement while balancing growth, stability, and risk management.

Pension Consolidation & Tracing

We identify, review, and consolidate pensions to improve clarity, reduce costs, and enhance overall retirement planning efficiency.

Drawdown
Options

Flexible pension drawdown strategies allowing tax-efficient fund access while maintaining portfolio sustainability and long-term income stability.

Annuity Advice

Independent guidance on annuity options to secure guaranteed income streams aligned with your retirement objectives and needs.

Tax-Efficient Withdrawals

Carefully structured withdrawal strategies designed to minimise tax exposure while protecting and preserving long-term retirement capital.

Early Retirement Planning

Comprehensive planning to assess affordability, sustainability, and long-term financial impact of retiring earlier than anticipated.

Late Life & Care Funding

Strategic asset structuring to fund potential long-term care needs while maintaining financial independence and stability.

Annuity Advice

Independent guidance on annuity options to secure guaranteed income streams aligned with your retirement objectives and needs.

Tax-Efficient Withdrawals

Carefully structured withdrawal strategies designed to minimise tax exposure while protecting and preserving long-term retirement capital.

Clients who benefited from Pension Management

Long-standing relationships built on clarity, consistency, and results.

Prompt, Efficient and very helpful with emergency timing due to travels. Courteous and personable assistance from PA Rita Tailor and Senior partner, Ricky Satija. High Recommended.

The Team at TSP provide a personalised service tailored to my specific needs, their advice is valued by me and I feel my pensions and ISAs are in safe hands with them.

TSP Wealth have acted as my financial advisers for many years. I am very happy with the service that they provide.

I have been impressed by the honest approach to my pension planning and I have full trust in Ricky for my future needs.

We have found the service provided by TSP to be efficient and friendly. It is a one stop shop for investments, wills, mortgages, pensions, etc etc.

I would like to thank you for all the work and effort you and staff have done for me regarding my finances and planning. It is always a pleasure when I visit your offices for our meetings. I feel very confident and reassured when I leave and that you have my best interests at heart.

We first became associated with TSP in July 2014 and they have undertaken general investments for us together with the preparation of Wills and Trust documentation. Always found them to be helpful and friendly and provide a good level of reliable performance.

I have been running my pension through you for the last 6 months. Can I say thank you for managing and more importantly doing everything the initial overview said it would. It is always a step into the unknown around pensions, but the 121 meeting helped and really helped me to make the decision. Many thanks.

Check our other services

We offer end-to-end financial solutions designed to evolve with your life, business, and aspirations.

Investment Management

Growing and protecting your investment with trust

Estate
Planning

Protecting your family’s wealth with right planning

Inheritance Tax Mitigation
Bloodline Protection
Will & Probate Guidance
Trusts and Asset Protection
Lasting Powers of Attorney
Legacy Planning
Charity and Philanthropy

Protection & Mortgage

Protecting your family’s wealth with right planning

Residential Mortgage Planning
Family Life Protection
Income Protection
Critical Illness Cover
Remortgaging & Rate Reviews
Buy-to-Let & Portfolio Finance
Policy Trusts
First-Time Buyer Guidance

Pension Management

Plan for an enjoyable retirement with long term investment

Bespoke Retirement Strategy
Retirement Income Strategies
Pension Consolidation & Tracing
Drawdown Options
Annuity Advice
Tax-Efficient Withdrawals
Early Retirement Planning
Late life & Care Funding
Cash Flow Modeling
State Pension Forecasts

Blogs

How Much Could a 20-Year-Old Realistically Save?

Saving in your twenties can feel challenging. Between rent, socialising, travel, and early career salaries, putting money aside is often seen as something to worry about “later”. Yet this...

January 20, 2026 | By administrator

Investing with Purpose: Turning Long-Term Goals into a Clear Strategy

When people think about investing, they often focus on markets, headlines, and short-term performance. In reality, successful investing is far less about reacting to noise and far more about...

January 20, 2026 | By administrator

Questions asked most:

We identify, review, and consolidate pensions to improve clarity, reduce costs, and enhance overall retirement planning efficiency.

How much should I invest?