Pensions

We'll aim to ensure your retirement plans are flexible to account for your changing circumstances, tailored to your attitude to risk and tax efficient to make the most of personal allowances. Ask for a personalised illustration tailored to your needs...

Some money purchase pension schemes offer  'inter generational estate planning' opportunities should you wish to make provision for children and grand children.We'll look to ensure your financial planning aims and objectives are achieved in the most cost efficient manner researching draw-down and annuity options, portfolio planning and investment returns

We will implement transparent adviser charging coupled with a diversified portfolio of investments potentially providing a good investment return without needing to take unnecessarily high investment risks

Our plans will guide you on retirement options such as:

  • If or when to purchase an annuity which will provide a guaranteed level of income for life
  • Whether to take a tax-free lump sum and how much to take
  • Leave your pension assets invested and draw an income from them
  • How your retirement fund fits in with other savings and sources of income.

For unbiased financial advice and lifelong planning for retirement, please get in touch to understand in detail how we may be able to help 

The tax treatment is based on personal circumstances and current legislation, which is subject to change.

The value of investments and any income from them can fall and you may get back less than you invested.

No investment is suitable in all cases and if you have any doubts as to an investment's suitability then you should contact us.