Pension advice

Most of us now recognise the need for planning ahead to save for when we retire. There is an increasing emphasis on the need for individuals to pay into private pensions so we don’t need to rely on government handouts in old age.  With ever changing rules surrounding pensions from the introduction of stakeholder pensions to pensions simplification, the number of retirement planning choices increases.  Are you better off in a money purchase or final salary scheme, in an occupational scheme or a personal pension and which pensions funds offer your preferred level of risk and desired growth potential?  As you approach retirement, you will need a qualified financial adviser to tell you which is the most appropriate way to draw your pension.  Is it through a traditional annuity, phased retirement, income drawdown or a combination?  We can help you with every aspect of pension and retirement financial planning.