Pensions

Pensions

OUR AIM IS TO HELP YOU MAKE THE MOST OF YOUR MONEY

Pension planning is split into three key areas; pre-retirement planning, at retirement planning and post retirement planning.

Pre-retirement planning requires advice with regard the amount of money needed to be invested to enjoy a good retirement and investing in funds which will deliver the growth required. At retirement planning is probably the most important part of planning as the decisions clients are asked to make include a wide area of choice. Some of the decisions made such as purchasing an annuity are irreversible and advice should always be sought.

Once in retirement and depending on the options chosen at retirement on going advice is important to maintain your standard of living with ongoing advice and in line with changes in legislation and your financial needs.

Other areas of advice…

Investments

We understand that everyone is different and at different stages in life, which is why we provide investment strategies that can be tailored to match your individual needs and circumstances.

Inheritance Tax Planning

Inheritance tax is paid on assets when someone dies. Research has shown that 30 million people are paying too much tax. More than £5bn, or 5% of HMRC’s expected income, could have been saved if people had arranged their affairs more efficiently.

Pensions

Every hard worker dreams of a relaxed and secure retirement. Now that we’re living longer lives, retirements are rarely short-lived, which makes planning for your future as a retiree more important.

ISAs

An ISA (Individual Savings Account) is a tax-free way to save or invest. If you're starting to think about saving or investing, ISAs could be a good place to begin. On other savings accounts, you may have to pay income tax* on the interest you earn.

At Retirement Planning

The choices available to consumers are wide and varied and advice is essential at this key moment. Many of the options available once selected are irreversible such as the purchase of an annuity.

Mortgages

For many buying a house can be an exciting but also daunting prospect. With years of experience and access to all lenders, we're well placed to help you find the very best mortgage. We'll guide you through the process and save you time and money.

Call back request

If you would like to talk with one of our advisers at a time that is convenient to you, just fill in this short form.

Our website offers information about investing and saving, but not personal advice. If you’re not sure which investments are right for you, please request advice, for example from our financial advisers. If you decide to invest,  remember that investments can go up and down in value, so you could get back less than you put in.

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