start a pension





LMJ is a firm of independent financial advisers specialising in the management of investment portfolios and pensions. We have been helping clients navigate complex financial markets since 2001 and from those very early days, our business has evolved primarily through client recommendations. Read More

Start a Pension

LMJ Financial Management Ltd was established in 2001. Based in East Peckham, Tonbridge, LMJ is now firmly positioned as a premier provider of independent financial advice to both private clients and corporate clients. We understand the major financial decisions you make will have significant and life-changing consequences. It is therefore essential that you seek professional independent financial advice from people you can trust.Please browse our website to find out more about who we are, our level of knowledge, experience and expertise and how we conduct business, or contact us for further information.

LMJ work in partnership with our clients, and other professional advisers such as solicitors and accountants, to meet their financial aspirations and we recognise the importance of providing long-term on-going assistance and guidance.

Treating Customers Fairly

LMJ Financial Management Ltd is regulated by the Financial Conduct Authority (FCA) and we are happy to work within a regulated environment which prioritises the interests of consumers.

LMJ has responded to the FCA initiative, Retail Distribution Review and Treating Customers Fairly and has set out what clients can expect as part of our advice process. You can view in full detail, our Investment Philosophy.

Auto Enrolment

About workplace pensions
A workplace pension is a way of saving for your retirement that's arranged by your employer.

Some workplace pensions are called 'occupational', 'works', 'company' or 'work-based' pensions.

How they work
A percentage of your pay is put into the pension scheme automatically every payday.

In most cases, your employer also adds money into the pension scheme for you, and you get tax relief from the government.

When you can take your pension pot depends on your pension scheme's rules - it's usually 55 at the earliest.

What you'll get and how you can take it depends on the type of scheme your employer offers you. You can usually take 25% of the money tax free.

If the amount of money in your pension pot is quite small, you may be able to take it all as a lump sum - 25% would be tax free but you'd pay Income Tax on the rest.

Workplace pensions and the State Pension
You can get money from a workplace or  other pension on top of the State Pension.
Today the maximum basic State Pension you can get is £115.95 per week for a single person.

'Automatic enrolment'
A new law means that every employer must automatically enrol workers into a workplace pension scheme if they:

  • are aged between 22 and State Pension age
  • earn more than £10,000 a year
  • work in the UK

This is called 'automatic enrolment'.

Use the Pensions Regulator staging date calculator to check if the new law applies to you and when you'll be enrolled. The calculator is for employers but also works for employees.

You may not see any changes if you're already in a workplace pension scheme. But if your employer doesn't already contribute to your pension, they will have to start when they 'automatically enrol' every worker.

Your employer doesn't have to automatically enrol you in a workplace pension if you give them evidence of your lifetime allowance protection (eg a certificate from HMRC).


David Simmonds Financial Advisor IFA East Peckham


LMJ Financial Management Ltd

Upper South Hall
Bullen Farm Business Centre
Bullen Lane

East Peckham
Kent, TN12 5LX

Tel: 01732 874111
Fax: 01732 874222

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LMJ Financial Management Ltd, Upper South Hall, Bullen Farm Business Centre, Bullen Lane, East Peckham, Tonbridge, Kent, TN12 5LX
Tel: 01732 874111 Fax: 01732 874222 Email:

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