Retirement planning

OUR RETIREMENT PLANNING SERVICE IS RELEVANT TO ALMOST EVERYONE, AS STATE PROVISION BECOMES LESS CERTAIN AND WE LOOK TO SAFEGUARD OUR FUTURES AND THOSE OF OUR CHILDREN AND GRANDCHILDREN.

WHAT’S MORE, OUR CHARTERED FINANCIAL PLANNER STATUS MEANS IT’S A SERVICE YOU CAN TRUST.

What’s more, many of our advisers have worked in some of the world’s leading banks, so you’ll enjoy the benefit of their brilliant insight into the way businesses operate and lenders think. On top of that, our advisers can introduce you to key individuals whose expertise and influence could make all the difference to the scale and speed of your business’s growth.

As always, our advisers use their independence to your advantage, searching the whole of the market for the best products to meet each client’s very specific set of circumstances.

Key to the success of this service is our policy of thoroughly reviewing your current products and circumstances, then giving our assessment and looking for ways to imrpvoe your position.

Sometimes this might mean buying new products, but it could equally mean consolidation and a switch to fewer, but better, performing schemes.

Our pension work applies not just to private clients but to businesses too, since we’re able to advise about AutoEnrolment and other compulsory impacts of pension reform. Also, because we use independent state-of-the-art software and our advisers have the higher qualifications required to offer a full pension review service, you get the reassurance of knowing that we’re offering a level of service many other advisers simply can’t match.

Pension Advice

OUR PENSION ADVICE TAKES INTO ACCOUNT THE LATEST LEGISLATION AND REGULATIONS AS WELL AS UP-TO-THE-MINUTE PRODUCTS AVAILABLE RIGHT ACROSS THE MARKET. PENSION TYPES WE DEAL WITH INCLUDE:

  • Occupational pensions
  • Workplace pensions
  • Personal pensions
  • Stakeholder pensions
  • SIPPS

All of our pension advice is underpinned by the knowledge that the earlier you start and the younger you are, the cheaper and more profitable your pension provision is likely to be. We’ll carefully balance risk levels to suit what you’re comfortable with, possibly even reducing this risk as your retirement age approaches. We’ll also act in your best interest by using maximum annual contribution limits, and possibly by placing pensions into a SIPP in order to buy a commercial property. Meanwhile, we always watch out for tax relief on your contributions – one more way of saving you money.

Pensions for Children and Grandchildren

INCREASINGLY, CLIENTS THINK ABOUT THEIR CHILDREN AND GRANDCHILDREN’S FUTURES, AND ONE WAY WE CAN HELP PROVIDE THEM WITH EXTRA FINANCIAL SECURITY IS TO SET UP A PENSION IN THEIR NAME.

An added bonus here is that this system helps to mitigate inheritance tax, helping you pass on more of your estate to loved ones at the time of your death.

Information sheet

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