Pensions are among the most tax-efficient and effective ways to save for retirement, but 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 Advanced 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.

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.