Pensions
Whether you need to set up a new pension or review existing retirement planning strategies for you or your employees, we have ways to help you make the most of your retirement opportunities.
Our Advisers are able to take the necessary time to fully understand your feelings on risk and your plans for your family, your career, your dreams and your aspirations so as to gain a true insight as to what your priorities really are.
The rules surrounding pensions can be complex, and what’s right for you as an individual can vary greatly to somebody else. If it’s appropriate, we can provide advice on consolidating or transferring your retirement savings in order to:
deliver better value
improve your options or
give you more flexibility
We can also ensure you preserve any valuable benefits that you may be entitled to, like guaranteed income or extra tax-free cash.
April 2015 saw the introduction of greater freedom around how you can take income from your pension, but making the wrong choice could result in you paying significantly more tax than you need to. We can make sure your income is sustainable and tax-efficient so that when you enter retirement you can relax and enjoy your new lifestyle.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.