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A pension is a way to save money for later in your life.

MSR Wealth Ltd is the appointed Representative of FOL Wealth which is Authorised and Regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website MSR Wealth’s Financial Services Register number is 766749.

Plan your tax efficient retirement savings!

Here are MSR Wealth, client education has long been a key part of our strategy. Research suggests that people still need a significant amount of help managing their finances and preparing for their financial future. Fact is, you can’t just rely on cash to build up your long-term savings anymore.


That might have worked back in 2008 (when cash paid 5% per year or higher), but cash rates today may not even match inflation. It’s easy to have unrealistic expectations about how long savings will last, and with life expectancy increasing, more and more savers are realising the size of their savings pot may not be enough.


Add in the growing uncertainty about state benefits and it’s clear that seeking calm, professional advice can be hugely helpful.

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MSR Pension see it as part of our role to help educate our clients about the
importance of saving more, saving earlier, and, if you can, investing more.

In a fast-changing world, finances and investing don’t need to be intimidating,
and we’re here to help you make the best decisions you can.

We have invested in a chartered Financial Planner, Abi Ladele, to help deliver quality advice to our client in the area of retirement planning. 

Your pension options!

You can pay into as many pension schemes as you want. It depends on how much money you can set aside.

You usually get tax relief up to certain limits on money you pay into a pension scheme.

Private pension schemes

Personal or stakeholder pensions are a way of making sure you have money on top of your State Pension.

For most personal pensions, how much you get depends on:

  • the amount you’ve paid in

  • how well the pension fund’s investments have done

  • your age - and sometimes your health - when you start taking your pension pot

Personal and stakeholder pensions


You may want a personal or stakeholder pension:

  • to save extra money for later in life

  • to top up your existing pension

  • if you’re self-employed and do not have a pension


Meet The Team


Ruban Mahadevan

Founder and Director

MSR Pension

Abi picture.jpeg



Chartered Financial Planner


Fazle Rabbi

Senior Tax Consultant