Retirement Planning

Retirement might be a long way off or just around the corner but it is important to remember that retirement planning involves much more than simply choosing a pension. Proper retirement planning should integrate all areas of financial planning, especially considering other investments and estate planning issues. We therefore give advice on:

• Executive Pension Plans

• Group Personal Pension Plans

• Personal Pensions

• Retirement Annuity Contracts – Personal Pensions taken out prior to 1987.

• SSAS (Small Self Administered Schemes)

• SIPPS (Self Invested Personal Pensions) – A SIPP is a personal pension allowing the individual the power to decide exactly how their pension is invested

• Stakeholder Pensions – Personal Pensions introduced by the Government in 2001 to encourage pension provision

• State Pensions

• Contracting Out – Diverting National Insurance contributions into policies chosen by the individual

• Income Drawdown – Delaying the buying of an annuity at retirement and using the fund to withdraw an income each year up to age 75

• Wrap accounts - Pulling diverse pensions and investments under one umbrella with simple charges.

Each of the above is designed for a specific purpose and should be considered carefully. Some arrangements are purposefully designed with the business owner in mind, others for the self employed and yet others for employees, so careful consideration of one’s options is paramount.

Our advisers have achieved the industry’s highest level of competency in this complex area, and they support their credentials by maintaining an up-to-date knowledge of legislation, providers and products.

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