01327 350 314

24 Brackley Road, Towcester, NN12 6DJ


Paying into your pension may not be top of your to-do list, but delaying your retirement planning could impact the potential growth of your pension plus you could be passing up the opportunity for valuable tax relief.

Preparing for retirement doesn’t start in the days and weeks before you stop work.

With professional advice and regular reviews we can help you keep your retirement plans on track.

At Mclay James we can provide you with advice on new pensions and review any existing pensions.

Although all pensions are essentially investment plans designed to provide an income when you retire, there are many different types of pension plan and at Mclay James we can help reduce the confusion.

If you have multiple pension pots, you may want to see whether it would be worthwhile combining them.  Combining your pension pots can help you keep track of your retirement funds plus it can make things easier when your start to receive benefits as you could then receive payments from a single source rather than several smaller payments from different sources.

Since 6 April 2015 you now have far more options in how and when you take your pension benefits. Whether you plan to retire fully, partially or to carry on working for longer, you can now tailor when and how you use your pension.

At Mclay James we can help you plan your own retirement journey.

What our clients say

Having used Financial Advisers over many years it was somewhat refreshing to be recommended to Mclay James. The service was excellent and their straight forward understanding approach was very helpful in solving our issues

We would certainly recommend them on.

Mr and Mrs H of Towcester

“Very many thanks for all you do for us – above and beyond the call of duty!”

Mr & Mrs S of Brackley

“Thank you. A comprehensive and efficient service”.

Mr A of Silverstone

“Mclay James have proven to be as good as their word in providing excellent service standards with professional advice. Strongly recommended”.

Mr C of Northampton

“Received fantastic advice over and above our expectations. They took the time to understand our situation and provided the solutions which we did not fully appreciate until later. Very thorough and professional and we have recommended them on to our family”.

Mr & Mrs R of Towcester

“Having dealt with Colin and the investment team over many years through some pretty turbulent market conditions I can honestly state Mclay James have provided an outstanding service with high professional standards”.

Mr T of South Northamptonshire

“Just a quick note to thank you for your reassuring letter of 1st October 2021. It was kind and thoughtful of you to take the time to write. I feel fortunate to have you to advise me about ‘eggs in baskets’ ”.

Ms A of Hitchin

“My wife and I would like to register our sincere thanks to Mclay James Ltd and in particular Colin Reid, for the outstanding service and advice we have received. I cannot fully express in words my gratitude to Colin and the three companies for all their support and assistance. Without the monies received my wife and I would have been in financial difficulty. My wife has also received excellent advice and support from Colin and we would obviously recommend Mclay James”.

Mr & Mrs C of Peterborough