Pension advice for women in Liverpool
Clear, specialist pension planning that puts your retirement goals at the centre.
our pension is one of the most valuable financial assets you will ever build and one of the most misunderstood.
As a Chartered Financial Planner based in Liverpool, I provide specialist pension advice for women at every life stage: whether you are starting to build your pension in your 30s, reviewing your position in your 50s, navigating pension sharing as part of a divorce, or planning how to draw down your pension at retirement.
Pension advice at every life stage
Starting and growing pension contributions
Tax-efficient pension planning
Pension planning for the self-employed and business owners
Compounding and long-term growth strategy
Building Your Pension: 30s and 40s
Pension review and gap analysis
Maximising contributions in the years before retirement
Tax-efficient drawdown planning
Balancing pension with other assets
Reviewing and Maximising
Pension income options
Drawdown versus annuity decisions
Tax planning in retirement
Inheritance tax and pension planning
At Retirement and Beyond
Why pension advice matters more for women
Women in the UK retire with significantly less pension wealth than men, on average, around half as much. This is not because women value their retirement less. It is the result of years of compounding inequality: career breaks for childcare, part-time working patterns, pay gaps, and a financial services industry that has historically not spoken to women clearly or directly.
Understanding your pension position, and taking steps to address it, is one of the most important financial decisions you can make. The good news is that for women who engage with pension planning early, the gap is entirely possible to close.
I specialise in pension advice for women precisely because I understand these dynamics. My role is to give you a clear picture of where your pension stands today, what it needs to look like for the retirement you want, and exactly what steps to take to get there.
Pension planning built around your situation
Pension planning looks different depending on where you are in life. I work with women across several distinct situations.
Women in their 30s and 40s building pension wealth The earlier pension planning starts, the more compounding works in your favour. I help women at this stage understand their existing pension position, make the most of available tax relief, and build a strategy that grows alongside their career and income.
Learn more about financial advice for women in their 30s and 40s
Self-employed women and business owners Without an employer contributing automatically, pension planning is entirely your responsibility, and your opportunity. I help self-employed women and business owners structure pension contributions in a tax-efficient way and build a retirement strategy that works alongside the demands of running a business.
Learn more about financial advice for business owners
Women approaching retirement For women in their 50s and early 60s, pension planning shifts from accumulation to strategy. I help you understand your options, make the most of the years remaining before retirement, and put a clear plan in place for how you will draw on your pension when the time comes.
Women going through divorce Pension sharing on divorce is one of the most complex and frequently overlooked aspects of financial separation. Pensions are often the most valuable asset in a marriage, more valuable than the family home, yet they are regularly either ignored or handled without specialist advice.
As a member of Resolution, I provide specialist advice on pension sharing and pension offsetting, working alongside solicitors to make sure your pension interests are properly represented throughout the divorce process.
What I actually do when I review your pension
Pension advice is not just about picking a fund. A thorough pension review covers every aspect of your current position and what it means for your future.
When I work with a pension advice client, I look at the following areas:
Your existing pension position How many pensions do you have? Where are they held? What are they currently worth and what are they projected to be worth at retirement? Many women have multiple pensions from different employers that have never been reviewed.group
Your retirement income target What does your retirement actually look like? What income do you need to live the life you want? I help you build a clear picture of your retirement income target and map your current pension trajectory against it.
Tax efficiency Pension contributions attract tax relief, meaning the government effectively tops up what you put in. Maximising this in a way that is aligned with your income and tax position is one of the clearest wins available in financial planning. Rules can change over time though and depend on your circumstances, so keep these in review.
Other assets alongside your pension Pensions are rarely the only asset relevant to retirement planning. ISAs, investment bonds, property, and business interests all form part of the picture. I look at everything together to build a plan that makes the most of your full financial position.
Testimonial
“My husband and I approached Shalini with the goal of consolidating our pensions and finding someone we could trust to manage them together. We also wanted to maximise our returns as a couple and grow our pension pot to potentially retire earlier. Shalini’s personalised approach is outstanding - she truly understands us and our individual and shared financial goals. It’s great that we can work on this together, knowing she’s looking after both of our interests. We fully trust her and highly recommend her to anyone seeking sound financial advice.”
Frequently asked questions about pension advice
Q:When should I start thinking about my pension?
A: Now, regardless of your age.
The clients I work with most often tell me they wish they had started pension planning sooner. If you are in your 30s, compounding is your greatest asset and starting early makes an enormous difference to your eventual retirement position.
If you are in your 50s, there are still meaningful steps you can take to strengthen your pension before retirement. There is no bad time to start, only the time you have available.
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This is extremely common. Many women have several pensions sitting in old employer schemes that have never been reviewed.
The first step is understanding what you have, where it is, and what it is currently doing. From there, I can help you understand your options and what approach makes sense for your situation.
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Your pension may be one of the most significant assets in your divorce, often more valuable than the family home, and it needs specialist attention.
Pension sharing and pension offsetting are both options that need to be considered carefully with proper advice.
As a member of Resolution, I provide specialist guidance on pension issues in divorce, working alongside your solicitor throughout the process.
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Without an employer contributing on your behalf, you have both the responsibility and the opportunity to build your pension on your own terms.
Self-employed women and business owners have access to pension structures that can be highly tax-efficient when set up correctly.
I help you find the right approach for your income level and business structure.
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This is the question at the heart of good financial planning and the answer is that you do not have to choose.
A well-structured pension plan builds long-term security without requiring you to sacrifice your quality of life today.
My job is to help you find that balance and make it feel manageable.
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At minimum, annually. Your pension should be reviewed whenever your income, employment, or personal circumstances change significantly including marriage, divorce, a career change, or starting or selling a business.
I recommend regular check-ins so your pension strategy stays aligned with where you are in life.
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Yes. While I am based in Liverpool and work with many clients locally, I support women throughout Merseyside, the North West, London, Birmingham, Manchester, Cheshire.
The advice is always personal and built around your specific situation regardless of location.
Ready to take control of your pension?
Whether you are starting from scratch, reviewing an existing position, or navigating a major life change, the first step is a 15-minute clarity call. No jargon, no pressure, just a clear conversation about where you are and what your options are.
Women across Liverpool, the North West, and the UK choose Her Financial Planning for pension advice that is personal, specialist, and built entirely around them.
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