Pensions

We provide advice on all aspects of pensions covering private individuals and companies alike, including:

• Individual Personal Pensions
• Stakeholder Pensions
• Self-Invested Personal Pensions (SIPPs)
• Small Self-Administered Schemes (SSAS)
• Work-place (Auto-enrolment) Schemes
• Group Personal Pensions

We appreciate that choosing a plan best suited to a client’s needs (from the complex range of products on offer) can be daunting. We can therefore help to select the right kind of pension with a view to optimising the benefits.

Our independent advice is backed-up with clear explanations, detailed product and investment analysis and ongoing support prior to, and during, retirement.

A client’s nominated retirement fund need not comprise solely of pension plans and can also encompass other forms of investment such as bonds, property, shares, ISAs and OEICs; the combination of which can be used to provide the desired stream of tax efficient income to best suit the individual(s) involved.

A typical client will already have one or more pension plans and will therefore benefit from a review of their ongoing suitability. Older pension contracts in particular may have attractive features / benefits that could be overlooked otherwise.

At the point of drawing upon the pension benefits we can again explain and advise on the options available.