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The value of investments and the income they produce can fall as well as rise. You may get back less than invested.
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.
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 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.
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.
The latest pension legislation was Pension Freedom (April 2015). We offer quality retirement planning and are able to offer you the most suitable in retirement planning advice.