Police, fire and ambulance pensions are not simple, and neither are the careers behind them. 3Nines gives police officers, firefighters and paramedics expert advice built around the job you do.
3Nines is a trading name of Eight Wealth Management Ltd.
Career average schemes, legacy final salary sections, and remedy changes have left a lot of retired officers and serving crews unsure exactly where they stand. Getting it wrong, or simply not knowing, can mean missing out on options you were entitled to all along. We help you see your whole picture clearly, before that decision point arrives.
We work across four areas to help with the money matters that come with a career in the emergency services.
Police pension schemes, Firefighters' and NHS pension schemes all work differently, and remedy changes have added complexity most people haven't had explained properly.
We review your record and years worked together, so you know what your pension is worth, from what date, and how any lump sum affects your regular income.
Your workplace pension is only part of the picture once the state pension age is factored in.
We help you see how the two fit together, so decisions about stepping back or reducing your hours are based on your full income, not just one part of it.
These decisions often come at a difficult time, and the rules differ across each scheme.
We explain your options and any risk to future benefits in plain terms, so you can decide with confidence rather than pressure.
A pension is a strong foundation, but it rarely covers everything on its own.
Savings, investing and protection are built around it, so your wider goals stay on track too.
3Nines Financial Planning was founded on first hand experience of policing, and that understanding still shapes how we work today.
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We believe in total transparency. Before you commit to any business financial planning strategy, we outline every single cost upfront, no hidden charges, no surprises, and no obligation to proceed until you are completely comfortable.
Read about our pricingHere are some of the questions people think of before they seek out financial advice for emergency service workers.
Each scheme is administered separately in the UK. We help you understand what that means for your plan, whichever one you’re in.
Free guidance is available through the Money and Pensions Service, but this differs from personalised financial advice.
Your record, your scheme, and any remedy related changes to how those years count. A personal review is the only reliable way to know your figure.
Police, fire and NHS schemes are generally strong workplace pensions, though how good yours is depends on your years worked and personal circumstances.
