Build the future you want with financial security 

Build the future you want with financial security 

At PBT Accountancy, we believe that retirement should be a time of freedom, not financial worry. 
 
Whether you’re just starting to think about pensions or already have several pots scattered around, we’re here to help you take control of your retirement planning — with confidence, clarity, and care. 
 
We can help you: 
 
Understand how much you'll need to retire comfortably 
Analyse your current pension arrangements 
Maximise tax reliefs and allowances 
Create a personalised, affordable savings strategy 
Prepare for the unexpected 
Regularly review and adjust your plan to keep you on track 
Contact Us

Our Services 

There’s no one-size-fits-all solution to retirement planning. That’s why we offer a wide range of pension and investment services to suit different needs, goals, and levels of control. 
Personal Pensions 
A flexible way to build your pension pot with valuable tax benefits. Ideal if you're self-employed or want to boost your retirement savings alongside a workplace scheme. 
Pension Consolidation 
Lost track of old pensions? Combining your plans into one manageable pot could reduce fees, simplify management, and give you a clearer retirement picture. 
SSAS (Small Self-Administered Schemes) 
As an independent broker, we work with an excellent panel of mainstream lenders, meaning we can compare the market to find the most competitive pricing for your vehicle lease. 
Equity Release & Later-Life Planning 
Explore your options for funding retirement or unlocking property value with trusted, ethical advice on equity release and inheritance planning. 
Workplace Pensions 
Employed? We’ll help you make the most of your employer’s pension scheme and explain how auto-enrolment impacts your contributions and long-term planning. 
SIPPs (Self-Invested Personal Pensions) 
Prefer a hands-on approach? SIPPs offer more control and wider investment choices — ideal for experienced investors who want flexibility. 
Pension Drawdown & Access 
When retirement arrives, we’ll guide you through your withdrawal options — from flexible drawdown to annuities — and help you access your funds tax-efficiently. 
Get in Touch

Our Services 

Personal Pensions 
A flexible way to build your pension pot with valuable tax benefits. Ideal if you're self-employed or want to boost your retirement savings alongside a workplace scheme. 
Pension Consolidation 
Lost track of old pensions? Combining your plans into one manageable pot could reduce fees, simplify management, and give you a clearer retirement picture. 
SSAS (Small Self-Administered Schemes) 
As an independent broker, we work with an excellent panel of mainstream lenders, meaning we can compare the market to find the most competitive pricing for your vehicle lease. 
Equity Release & Later-Life Planning 
Explore your options for funding retirement or unlocking property value with trusted, ethical advice on equity release and inheritance planning. 
Workplace Pensions 
Employed? We’ll help you make the most of your employer’s pension scheme and explain how auto-enrolment impacts your contributions and long-term planning. 
SIPPs (Self-Invested Personal Pensions) 
Prefer a hands-on approach? SIPPs offer more control and wider investment choices — ideal for experienced investors who want flexibility. 
Pension Drawdown & Access 
When retirement arrives, we’ll guide you through your withdrawal options — from flexible drawdown to annuities — and help you access your funds tax-efficiently. 
Learn More

Tax-Efficient Retirement Planning 

Tax-Efficient Retirement Planning 

Pensions remain one of the most tax-efficient ways to invest in your future. We help you take full advantage of: 
Your annual allowance 
Carry forward unused relief from previous years 
Tax-free lump sums at retirement 
Strategic income planning to minimise tax post-retirement 

Plan for tomorrow, today! 

Retirement might feel a long way off — but with the right plan in place, you’ll thank yourself later. Let’s start building your pension strategy together. 
Contact Us