Pensions and Retirement Planning
Planning to start contributing to a pension?
We make sure you contribute to the most appropriate plan based on your circumstances. We can steer you through the many options available and find you the most suitable product and solution.
Already started a pension?
Older plans are often outdated and haven't adopted recent changes and may still be incurring high charges.
We can review your existing plan(s) and advise whether you need to make any alterations.
About to take your benefits?
If you plan to retire in the next few years, you need to start thinking about how to get the most income from your pension fund. Most of us assume that our pension funds will automatically start paying out when we retire, the fact is that you will have to decide where to invest your pension fund and how you want to draw your income.
We can steer you through the many options and find you the most appropriate product and solution.
If you have never taken independent advice before, this is when you need to do so, failure to do this could result in a lower retirement income for the rest of your life. You don’t have to take your pension with the company you have saved with.
This is where good independent advice could really help you.
You may also qualify for enhanced pension income.
In our experience, most people are unaware that they may qualify for a higher pension. Previous research has identified that over 60% of individuals who purchased a pension annuity could have qualified for an enhanced pension and increased their retirement income had they sought independent professional advice.
To ensure our clients receive the best possible terms that take account of lifestyle and medical history, we can organise specialist telephone interviews, as part of our "at retirement service". These are undertaken by registered nurses at a suitably convenient time to suit you, including evenings and Saturdays.