PENSION ADVICE
You may just be starting to think about saving for retirement, or you may have a number of pensions in place from various previous jobs and occupations. Either way, we can help.
If you are just starting a pension, we can use our expertise to find out which one is right for you in terms of flexibility, fund selection, options and providers.
If you already have pensions but have no idea what you will receive from them, or whether they are invested correctly, we can review your existing arrangements and advise as to whether you should keep existing plans separate or consolidate them into a newer plan with lower charges and more flexibility.
Once your pension has been set up or reorganised, we will then review it for you every 6 months, keeping you informed as to how it is performing and updating your projected income at retirement.
ADVICE IF YOU ARE NEARING RETIREMENT
Taking pension income isn't as simple as it used to be, but you now have far more choice about how and when you take your income. You can take a lump sum and defer income until you need it, draw an income directly from your fund if annuity rates are low, or just buy an annuity and fix your income for life.
We can help you decide which option is best for you, make the necessary arrangements and then manage the pension on an ongoing basis. If you want to get the best annuity rates, we can narrow down which company will offer you the best deal. Either way, you will receive good, independent advice to help you make the right decisions.
