020 7953 7313

Main Services

Predominantly, Rogate Capital Limited provides specialist pension advice for individuals and businesses.

Rogate Capital Limited will conduct a detailed analysis of your current pension portfolio and advise you of your options and, based on your personal and financial circumstances, the most appropriate course of action to take.

The issues

  • You have changed company potentially several times and have retained benefits
  • You may have been made redundant
  • You are unhappy about the level of charges being applied to your pension fund(s)
  • You may be worried about fund performance
  • You may be concerned about the level of service you are getting

We can assist by

  • Reviewing complicated benefit structures
  • Explaining issues such as options on retirement
  • Advising on Small Self Administered Schemes (SSAS)
  • Fund valuation including calculating and/or checking losses

We will guide you through the options, for example

  • Leaving your deferred or preserved pension with your ex-employer
  • Transfer it to your new company pension scheme
  • Transfer it to a pension scheme in your own name

Rogate will help you find the right financial solution that best meets your personal circumstances.


What does Rogate Capital offer?

Rogate Capital provides expert financial advice on all matters concerning retirement planning.

Financial advice has a specific legal and regulatory meaning. It is a personal recommendation from a qualified individual given after due consideration of your personal circumstances and objectives. It is important to clarify the difference between taking advice and making your own decisions without going through this process (execution only) so you can select the right option for you.

At Rogate Capital we take time to analyse your objectives, needs and attitude to investment risk to ensure the advice given is suitable. We will be proactive with opinions and suggestions to make sure you understand the implications of the proposed action. The advice will then be presented in writing to clarify any associated risks and costs.

Rogate Capital Limited is is neither authorised nor regulated by the Financial Conduct Authority (FCA) to provide advice on pensions with safeguarded benefits. If you have a pension containing ‘safeguarded’ benefits – such as a defined benefit (also known as a final salary) pension or a pension containing guaranteed growth rates or guaranteed benefits at retirement – then we will introduce you to an FCA-authorised and regulated pension transfer specialist who, if you appoint them formally, will provide you with impartial advice on your pension and, in particular, whether or not to transfer the pension benefits to another pension scheme.


Retirement Planning

Contributing to your employer's company scheme is one method to help you on the way to a more prosperous retirement. The benefits under some schemes can be significant, particularly if you are one of the lucky few with a final salary pension. Whether these provisions will actually meet your retirement needs is something many people do not consider.

Many large companies are currently facing challenging trading conditions and as a consequence are struggling to meet current and future commitments. Scaling back and rationalising benefits is becoming an established response in the current climate. As a result, a company pension in isolation may not be enough.

It is now easier than ever to contribute to a personal pension in addition to your company pension and most people under the age of 75 are eligible. As it is separate to your company pension it will remain there for you to continue contributing to regardless of who your employer is and the future decisions they make.

You may be surprised at the difference making additional contributions to a pension could make to retirement income.

Having built up a retirement fund within various pension schemes you will at some point wish to take an income from them. There are a number of ways of doing this including:

  • Taking a proportion of your fund (normally up to 25%) as a tax-free cash sum and either
  • Using your remaining funds to buy an annuity which will then pay you a regular taxable income
  • Drawing a taxable income as and when required whilst still having your funds invested (e.g. flexi-access drawdown)

Rogate Capital's Other Services

Our emphasis is on personal service, unparalleled experience and knowledge, and on building long-lasting relationships with clients. We attract and employ the most respected senior associates who are passionate about their particular field of expertise.

Our specialist services also include:

  • Financial Planning - cash deposits, lump sum investments, ISAs, unit trusts and other collectives
  • Protection – life insurances, critical illness cover and income protection arrangements
  • Inheritance Tax Planning
  • Divorce

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