Additional voluntary contributions (AVCs): A guide for UK pension savers
For many people approaching retirement, the realisation that their pension pot won’t stretch as far as they’d hoped comes later
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Savings, investments and pensions
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Financial and legal advice for the future
At Tees, we have all the experience of our team of independent financial advisers and wealth planners to help you ensure you get the best from your savings for a comfortable and secure future.
As a full-service law firm, we can also help you with wills and ways to limit your inheritance tax liability by careful planning, including using inheritance tax trusts.
Save and invest with our expert financial planners
With the right professional advice, you can make your savings work harder, providing independent tailored advice. We can help you with the full range of ISAs including cash ISAs, Stocks and Shares ISAs, Junior ISAs (JISAs), Help-to-buy ISAs, Lifetime ISAs (LISAs) and other forms of tax-free investing. We also help with investing in tax-efficient vehicles such as venture capital trusts, enterprise investment schemes and the alternative investment market.
"A truly dedicated team with the client's best interests always coming first." Legal 500 2026
Pension advice and retirement planning
The sooner you start to plan for retirement, the better. We can help with the different types of pensions and schemes that exist, including personal pensions, stakeholder pensions, Small Self-Administered Pension Schemes (SSASs), SIPPs (Self-Invested Personal Pensions), workplace pensions and National Employment Savings Trust (NEST) schemes.
We can also help you with advice on taking an early pension, annuities, pension drawdown and tax-free lump sums, and later life lending including equity release.
Our Pension Transfer Gold Standard accreditation gives you the confidence that you’re dealing with a firm that is going beyond the minimum requirements when giving financial advice.
Key services
The areas our savings, investments and pensions advisers can help you with include:
- The full range of ISAs
- Investing for income
- Portfolio planning
- Discretionary fund management
- Investing in tax efficient vehicles
- Limiting your inheritance tax liability
- Planning for retirement (including pensions for children)
- Transferring all your pensions into one plan
- Defined benefit pension transfers
- Additional voluntary contributions (AVCs)
- The full range of pension schemes
Independent financial advice, alongside your legal needs
Tees is a top-tier Legal 500 firm offering joined-up legal and financial services. Our independent financial advisers (IFAs), work closely with our lawyers to help you make informed decisions about your savings, investments and pensions, both now and for the future.
Our advisers take a holistic approach to financial planning, considering your wider circumstances, objectives and priorities. As independent advisers, we are not tied to a particular provider, allowing us to consider a wide range of products and solutions from across the market.
Working alongside our legal teams also means your financial planning can be considered in the context of your wider affairs. This can be particularly valuable when dealing with matters such as estate planning, inheritance, business succession or changes in your personal circumstances.
Our IFAs are regulated and authorised by the Financial Conduct Authority, which means we’re accountable for the advice we give.
Get in touch today, we’re here to help
Our clients have a wide range of financial circumstances, from high-net-worth individuals with complex investment portfolios and pension arrangements to those looking for straightforward advice on building their savings and planning for the future.
We also have particular experience supporting clients in the agricultural sector. We understand that personal, family and business finances are often closely connected, and take a holistic view when considering your savings, investments and pension planning. Our aim is to help you make informed decisions that support your financial goals, both now and in the future.
We have offices across Cambridgeshire, Essex and Hertfordshire, but we can help you wherever you are in England and Wales.
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Tees Law does not provide Legal Aid. You can find more information here about Legal Aid and eligibility requirements.
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This material is intended to be for information purposes only and is not intended as an offer or solicitation for the purchase or sale of any financial instrument. It is not intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Past performance is not a reliable indicator of future returns and all investments involve risks including the risk of possible loss of capital. Some information quoted was obtained from external sources we consider to be reliable.Tees is a trading name of Tees Financial Limited which is authorised and regulated by the Financial Conduct Authority. Registered number 211314.Tees Financial Limited is registered in England and Wales. Registered number 4342506.
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