Our Expert

Gwyn Williams – Director


At CST Wealth our experienced Wealth Management team has helped our clients set up and manage a wide range of pension schemes, from individual stakeholder arrangements to large occupational schemes. Pensions are an important part of your personal financial planning that are often overlooked. Most people have a vague idea of what they’d like their circumstances to be after retirement, but how many know if that is possible or even realistic? Through cash flow forecasting and retirement income forecasting we can compare your likely retirement position against your desired retirement goals to give you a greater understanding of what you need to do to achieve them.

There are many more aspects to pensions advice than we could possibly explain here, our job is to simplify your options and provide you with sensible, appropriate advice.

Included below are a few examples of how we have helped some of our clients.

Personal Pensions

We can provide advice on all types of personal pensions and offer long term strategies tailored to not only help you after retirement but also today.

Group Pensions

We have helped many corporate clients set up group pensions for their employees, including Auto Enrolment schemes. You can find out more about our services for Companies here. We are also able to help if you are looking for advice with regard to your own pension within a group scheme, advising on whether you should opt in or out of your employer’s workplace pension.

Some employers will allow you to contribute to your pension by salary sacrifice, or salary exchange. We can tell you about the potential benefits that could save you and your employer a lot of money in the long term and make saving for retirement easier.

Annuities & Drawdown

When you retire it is no longer as simple as buying an annuity and retirees should consider the various options very carefully. When our clients are near to their desired retirement age we create a bespoke retirement options report explaining the different income options, as well as detailing what the likely level of income will be. This comprehensive report allows our clients to make an informed decision on taking their retirement benefits and, in some cases, this planning can increase the income that an individual receives.

Specialist Pension Advice

As your retirement savings grow and you approach retirement, you may wish to explore more pension options. Some of the common areas include commercial property purchases and bespoke investment or income strategies.

To find out how we can help you, arrange a face-to-face discussion with one of our team.