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Return to Financial Services 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 providing income 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).

"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. 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 annuity rates and your personal circumstances when you retire.

Reduce your tax liabilities

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