Pensions

Allowing you to plan all your tomorrows today.

New or existing Pension Plans: A personal pension is a long-term investment that helps you build up a sum of money, which you can then use to provide yourself with an income in retirement. We can offer comprehensive advice on all types of personal pension plans, whether you are new to pensions or have a previous plan(s) to review.

Small Self-Administered Schemes (SSAS): A type of pension scheme which allows the trustees to manage the investments themselves. These schemes have fewer than twelve members with at least one member being in some way connected to the employer, another scheme member or a trustee.

Self Invested Personal Pensions (SIPP): Are schemes similar to a SSAS but are designed for the self-employed. They allow for individual investments to be made in an Inland Revenue approved list of investments.

Group Pension Plans: Allows an employer to help employees make provision for retirement without necessarily contributing to the cost. These schemes are usually organised by the employer, the same provider is used for all employees, and the policy is portable and transferable when an employee moves to new employment. An employer is not obliged to make contributions and can make different levels of contribution for different employees.

Retirement options:

Annuites: An annuity is a way of providing a regular income for the rest of your life.

Income Drawdown: Also known as ‘pension fund withdrawal’, this is a way of taking an income from the money you’ve built up in your pension fund, without tying up your investments.

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