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Pensions

Pensions have long offered attractive tax breaks and are among the most tax-efficient and effective ways to save for retirement.

Working out how much to save and deciding which type of pension is best often feels like a complicated business.

We hold specialist Qualifications at a higher level, including the Advance Financial Planning Certificate G60 Pensions and CF9 Pensions Simplification. These qualifications along with our experience are essential to offer anyone advice in this most complex area of Financial Planning.

We can help to answer such questions as:

• How much should I save into my pension?
• How well are my current pensions performing?
• How much can I save without incurring a tax penalty?
• What are the options under the new rules, are they appropriate to me?
• What are my options when I come to take benefits from my pension?
• Now the tax treatment for all types of pensions is similar, how can I tell which are best suited to my needs?
• Is there any action I ought to consider because of the rule changes to safeguard my benefits and make the most of tax breaks under the old regulations?

It remains as important as ever to strike the right balance between saving enough for retirement while not leaving yourself either short of cash month to month or for rainy days and predictable large costs such as school or university fees, even your children´s weddings.

We are proud to introduce the Pension Performance Review™ service.

The Pension Performance Review™ is a fee-based, objective analysis of your risk profile, your investment objectives, your expectations, and the performance of your pension investments. Simply put, we assess the current status of your pension plans, and make detailed recommendations to try and maximise their performance. As an independent financial adviser (IFA) with specialist pension qualifications we will be able to steer you through this sometimes tricky path and find the right balance, by looking at your retirement savings and your entire financial circumstances together.
Please view the Key Concept document by following this link Pension Performance Review™

We specialise in helping our clients put together a proper investment strategy for the money that they already have in their pension so that they can plan to enjoy a better retirement.
We will also help you work out how much you can afford to save and what you should be aiming to put aside over the years and importantly, how much you will need to save now to maintain the quality of life you want in retirement.

Research in 2005 by the Association of British Insurers indicated that more than 60 per cent of people are not confident that they will have enough money to live comfortably during their retirement. With the right advice, you need not be among this number.

Anyone planning for their retirement, however distant, ought to recognise that the Government is looking to discourage people from retiring early.
The earliest age pensions can be taken increases from 50 to 55 in 2010. Anyone planning to retire early in the next five or so years will almost certainly need to speak to an adviser to work out how the change will impact upon their plans.

Pension simplification has created many other planning opportunities, whether you are self-employed or within a company pension scheme, and whether you have any existing pension provision or not.