Retirement Income & Pension Planning

Truth. Simplicity. Transparency.

Retirement Income & Pension Planning
Retirement Income & Pension Planning
Transferring out of a final salary pension is unlikely to be in the best interests of most people.

Millions of people are questioning if they are saving enough for retirement according to a recent survey by the Pensions and Lifetime Savings Association (PLSA 2019)*
  • Over half of savers not confident they are saving enough for retirement
  • Over a third (37%) wrongly think the auto-enrolment minimum pension contribution level is the Government’s ‘recommended amount’ to be comfortable in retirement.

Most people during their career accumulate a number of different pension plans. Yet maintaining separate plans is often complicated – and may lead to lost investment opportunities, exposure to undue risk and higher costs. We can help you avoid these problems by completing a full analysis of your retirement needs and pension values.

It is never too soon to think about planning for a comfortable retirement.

Our Services & Expertise

We can work with you to develop a strategy to help you build up the funds you’ll need to enjoy your retirement years to the full.

We can give full advice on personal pensions, getting the most suitable annuity rates, stakeholder pensions, self invested personal pensions (SIPPs), small self-administered schemes and equity release.

Key pension services: pension review, pension consolidation, pension draw down and pension transfer.

Find out more in our video below.

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Most people during their career accumulate a number of different pension plans. Yet maintaining separate plans is often complicated – and may lead to lost investment opportunities, exposure to undue risk and higher costs. We can help you avoid these problems by completing a full pension review, looking at your retirement needs and pension values. We will review your retirement funds and consider whether you could benefit from improved charges, access to more appropriate investment strategies and more simplified administration. We will review your immediate and ongoing income needs and explain what options are available to you. We are authorised and qualified to do defined benefit pension transfers. Please get in touch with Ian Brown, our pensions specialist, to discuss defined benefit pension transfers, pension draw down and pension consolidation.
Tax treatment varies according to individual circumstances and is subject to change.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Transferring out of a final salary pension is unlikely to be in the best interests of most people.

 

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

What makes us different?

Start your journey to a better financial future

You can talk to us in confidence about protecting your income and your family, residential and business mortgages, pensions, SIPPs, annuities, income drawdown, inheritance tax, wills and tax efficient investments. The first meeting is at our expense and without any obligation

You can contact us via telephone, email, or use the contact form below:







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