I can’t recommend Nick highly enough. He explains things in a really simple way and pays attention to detail to give a really accurate prediction.

My service history is complicated with lots of changes to part time hours but Nick was unfazed and went through it line by line to give me my numbers.

Please get him to check your details.. it could be worth thousands in the long run 👍

If any if my police friends are approaching retirement or want pension help/advice and forecast, please contact Nick Walter Nick recently helped me and explained my options as I wasn’t sure whether I would stay in the job for the 30 or go at 25.

With Nicks ‘easy’ explanation I was able to make a decision based on my forecast that was the best decision for mine amd my family’s future.

I have had the pleasure of using Nick to go through my options with my pension prior to my retirement from the police later this year. He is extremely knowledgeable and helped explain things in simple forms. I would thoroughly recommend using YPPE, good luck in everything you do.

Nick was amazing and spent a long time explaining all my options and the ramifications of different avenues if I went at 30 years, or worked until age 55.
He was spot on with all the calculations and opened my eyes to the fact I didn’t actually have to work until my 55th birthday, which I had spent the 10 years believing I did.

I would recommend him without question, he’s an expert in this subject and gives impartial, unbiased figures and facts.

About 12months before I retired I contacted Nick to advise on my MPS pension. I had worked for several years part-time doing several different shift patterns. I had also been promoted and worked some months on a further temporary promotion so to say my pension forecast was complicated is an understatement!

Pension branch were unable to give me a forecast which is why I approached Nick. I provided him with all of my part-time hours etc and he was able to give me the calculations of what my pension lump sum and monthly figures would be. When I retired I was paid my lump sum, and the figure was £33k less than what Nick had predicted.

I queried this with Pensions and they realised that they had made a mistake and a couple of days later the additional money was paid to me. Without having spoken to Nick, I would never have known what my lump sum should have been and would have accepted what I was paid on my retirement day, as the pensions department themselves had been unable to give me a forecast. Nicks’ detailed calculation from my complicated working history helped me save thousands and I am very grateful.

Nick is a font of knowledge when it comes to Police Pensions!

Nick helped me out, spending an afternoon with me explaining the various options and how each one affected my own personal circumstances (wether you are single, married, divorced, have children, re-married, etc, etc).

It is so easy to listen to the ‘take it all, don’t give the tax man anything!’ mantra from the Old Sweat but it is the long-term goal to live a comfortable life for the rest of our lives that counts.

With Nicks advice I made the best decision for myself as I retired on 31st March 2025.

Nick….myself & the wife thank you greatly for your support and guidance and we both wish you the best on setting up on your new venture.