Pensions

For many people the word itself induces complete boredom. As a consequence many people ignore the subject. Indeed in the UK a large percentage of the working population make no pension provision at all. This means they will have to survive on state pension and means tested benefits for a long time as people live longer.

People divide into two camps as far as this subject is concerned: those that can be bothered and those that can’t. For those that can be bothered there is a huge range of choice and opportunity. This makes independent advice essential. Your bank or building society will be pushing the products of the providers they are tied to. It is likely they will not be the best value that the whole market has to offer.

We offer UNBIASED advice on:

Self Invested Personal Pensions
Personal Pensions
Company Pensions
Director Pensions
Unsecured Income
Annuities

Most people want to know approximately what pension they will have in retirement and we aim to provide this information and help you fund for it whilst reviewing progress on a regular basis.

Pension Re-engineering

This forms a large part of our every day activities as we examine old pension pots to make sure they provide the best value for money and are invested in areas which offer the best prospects for growth.

Essential Planning

Anyone with earnings subject to UK tax should save via a pension vehicle as it is the most tax efficient flexible way to save for the long term.