Pensions

Regardless of the scope of our advice, our financial planning is all about you, your aspirations and your circumstances. In other words, it's highly personal and so is our service.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested. 

Financial planning for your retirement

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Maintaining your standard of living in retirement is a concern for many people. The Government’s message that individuals need to be taking more responsibility for their financial wellbeing must be taken on board with the State no longer providing an adequate retirement pension, the rapid decline in final salary pension schemes and increased longevity.

Your situation is complex

Many people’s pension situation is complex, with a number of different pension schemes being accumulated over their working life. As part of our financial planning process, will take time to unravel the detail and consider whether you have adequately provided for your retirement.

You need sound retirement planning advice

You can do much to ensure that sufficient critical capital is built up. This may include the best use of your annual ISA allowance or setting up a stakeholder pension. For larger sums, a Self Invested Personal Pension (SIPP) might be appropriate. We can give you useful SIPP advice, ensuring that any SIPP investments you might make are consistent with your retirement financial planning goals.

You need tax efficient solutions

We will always consider the tax implications of our advice. However, any decisions should be made in the context of your overall financial plan, rather than to achieve a short term tax benefit.

You need a financial planner that understands the latest legislation

The latest pension legislation came into effect on 6th April 2006, often referred to as “A” day. We offer quality retirement planning and are able to offer you the most suitable in retirement planning advice.

 

 

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Richmond Hill Financial Ltd, registered in England No. 05640805. Registered address. 71 High Street, Great Barford, Bedford, Bedfordshire, MK44 3LF. Registered in England and Wales. Company number 05640805


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