Services

Pensions and Retirement Planning

About to take your benefits and how best to protect your dependents.

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. But the fact is that you will have to decide where to invest your pension fund and how you want to draw your income.

If you have never taken independent advice before, this is when you need to, failure to do so 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 will 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.

To ensure our clients receive the best possible terms that take account of lifestyle and medical history, we 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.

Planning to start a pension?

We make sure you contribute to the most appropriate plan based on your circumstances. We can steer you through the many options and find you the most appropriate product and solution.

Already started a pension?

Older plans often haven’t adopted these changes and may still have high charges.

We can review your existing plan(s) and advise whether you need to make any changes.

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. But 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. You don’t have to take your pension with the company you have saved with. This is when you need to shop around, failure to do so could cost you up to 30% of your retirement income.

Call us on 015395 67129 to discuss Savings and Investments