It is becoming more and more evident that you won’t be able to rely on the state to support you in retirement. With people living longer and changes in legislation, never has it been more important to plan to be financially independent when you retire; however too many are guilty of doing too little too late.

Planning for your retirement

The government offers very favorable tax treatment on pension contributions and putting away even a small sum regularly can make a big difference to the lifestyle you will enjoy when you retire. People are often put off by pensions, as they can be a complex area with rules and regulations constantly changing. We aim to make things easy to understand and take the time to carefully explain and answer any questions you may have.

What we offer

We can help you with all spects of your pension

  • Starting a new Pension
  • Review your existing Pension
  • Annuity service

Starting a Pension - If you do not have an existing pension plan in place, we will work with you to decide how much you want to save, when you would like to retire and recommend the right pension and investment opportunities for your individual situation.

Pension Review Service - With the demise of the ‘job for life’ and changes in pensions legislation, many have accumulated various private and company pensions with small or large sums invested in them. We offer a review service and can recommend on the benefits of consolidating these pensions - however if it’s not in your best interest to do so, we will tell you. We are also able to offer a pension tracing service if you have lost track of an existing pension.

Annuity Service - There are many options open to you when you retire from ‘index linking’ to taking ‘tax free cash’. When it comes to buying an annuity – exchanging your pension fund for a guaranteed income for life, you are able to shop around and providers offer better rates given your state of health, however few use this option. We can help you decide on the most appropriate retirement income options and find the best rates given your circumstances.

Pensions consolidating is a complex area of financial planning and is not suitable for everyone.

A pension is a long term investment contract the value of which may fluctuate and can go down as well as up, past performance is no indication of future returns.