pensions
Pre-retirement planning: planning your retirement, the level of income required, and establishing a suitable pension vehicle. We can:
- arrange personal or company pensions
- advise on Stakeholder, personal pensions or Self Invested Personal Pensions
- explain occupational pension schemes
- analyse and arrange pension transfers and pension consolidation where appropriate.
At-retirement planning: the flexible use of pension funds using tax-free cash, income drawdown & annuity options to provide retirement solutions. We can:
- arrange annuities, including enhanced and impaired-life annuities
- arrange Income Drawdown and Phased Drawdown options.
Post-retirement planning: making the best use of your assets. We can advise on long term care (via 3rd party) and equity release;
Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration.
We keep ourselves informed of new pensions legislation.
Please note: the value of pensions can fall as well as rise, and you can get back less than you invested.
