Pensions

Paying into a pension is often something many people don’t consider until it is too late. Making payments into a pension early on can make a dramatic difference to the amount of pension you will receive when you retire.

For most people relying on the state pension alone will provide insufficient retirement income to lead an enjoyable lifestyle in retirement.

In April 2006 the government dramatically changed the legislation which governs pension plans. These changes affect you & it may be necessary to review your present arrangements.

Pension provision is a complex area and in order to assess your position it would be necessary to conduct a review of your current provision.

Once your present arrangements have been assessed and we have discussed your expectations for retirement we will be able to advise you on the best way to provide the retirement income you need.

Some of the main types of pension available include:

•  Personal Pension Plan (PPPs)
•  Executive Personal Pension Plan
•  Group Personal Pension Plan
•  Stakeholder Pension
•  Occupational Pension (Employers schemes)
•  Self Invested Personal Pension Plan

Annuities

In retirement your income from employment can be replaced by income from an annuity. An annuity is purchased by your pension fund from an annuity provider to secure an income for life.

For many people their biggest asset at retirement is their pension fund. It is important to consider your options at this stage to ensure you maximise your returns from your pension fund.

Complete an online enquiry form or call us on 01457 859 139 to discuss your requirements.