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Return to Financial Advice HomePensions

We've all heard of the major employers who have cut back on pension provision over the last few years. But did you know that very often those working for small employers and the self-employed have little or no pension arrangements?

If you are a home owner you may see the value of your property as your main source of income in future years. Whatever your situation, if you haven't received expert advice, you could be in danger of spending more than 30 years in retirement with a greatly reduced standard of living.

Pensions

Pensions remain one of the most tax efficient ways of investing and preparing for retirement. If you want to look at your own pension arrangements or find out about the possibility of providing pensions for your employees, we can help. Whether you are a business owner, employee or self employed, we can advise on all aspects of pension planning from Stakeholder Pensions to Self Invested Personal Pension Schemes (SIPPs).

Tax planning depends on your personal circumstances. Tax treatments and law is subject to change.

"At Retirement" Plans

If you are getting close to the point where you could begin to take your pension benefits, we can advise you on a number of important issues. Not all pensions are suitable to everyone and it is important to seek appropriate financial advice. Even if your circumstances are straightforward, we may well be able to obtain a higher level of pension than you would be able to secure. With our help you could receive a regular income that suits your lifestyle and your attitude to investment risk.

You should bear in mind the value of investments within a pension can fall as well as rise. The income you get from a pension fund will depend on the value of your investment fund at retirement, annuity rates and your personal circumstances when you retire. The value of your investment fund and annuity rates can go down as well as up and are not guaranteed.

Reduce your tax liabilities

Don't make the mistake of thinking that planning is just for the wealthy.  Careful financial planning can not only help towards securing your financial future it may also save you money.  Did you know for example that pension plans are one of the most tax efficient ways of investing and our advisers may be able to help you reduce your tax bill? They will also help you make sure your loved ones don't face an unnecessary tax bill when you die. 

Tax planning depends on your personal circumstances. Tax treatments and law is subject to change.