Pensions and Annuity advice

Pensions and Retirement Planning in the UK

We are a regulated firm offering advice on retirement planning and investments. Our initial consultation is FREE and our advice is impartial. We research the whole market to find the best products for your personal financial requirements.

Call us now on 0845 009 3779

Which of the following best describes your situation?

Click on our advice pages below:

-- I am interested in starting a pension but do not know where to begin. Find out what you need to know about the basics of starting a pension and what you need to focus on.

-- I already have a pension but I am not happy with its performance - can this be transferred?. Here we will review your situation and may be able to suggest alternative pension plans to suit your needs.

-- I have a Protected Rights Pension and want to transfer this to a SIPP. Find out what you need to know before you go ahead.

-- My pension is due to mature soon and I want to know what to do next. This section discusses Annuities and provides information on what options are available.

If you are looking for a general advice - please call us on 0845 009 3779 for an informal chat or complete our form opposite.

Why not visit our dedicated Pension advice website and learn more about Cashing in your pension plan or if you are uncertain about the investment value / potential Transferring your pension plan. You may simply want an overview of the options available for Starting a pension plan - we can help with any of these financial advice areas.

General information about pensions in the UK

People are living longer these days and it is now never more important to ensure you give yourself the best possibility of a comfortable retirement.  

If you thought that the state pension would maintain your current standard of living in retirement, then think again.

The basic state pension may keep you out of total poverty, but if you still want to enjoy those extra things in life, like holidays, eating out, or driving a decent car, then taking care of your pension requirements should be high up on the list of priorities.  

We can help you with ADVICE ON UK PENSIONS AND ANNUITIES. We offer advice for those going through a DIVORCE or break up where pensions become an issue.

We are a regulated firm and can help you choose the most appropriate product for your personal financial circumstances.

For more information about financial advice services:

DID YOU KNOW?

By paying into a registered pension scheme either via your employer or personally you will benefit from the following:  

Tax relief on contributions  - All growth within the pension fund is tax free, and only income distributed within the fund as dividends is subject to any tax. On taking pension benefits, up to 25% of the fund is available as tax free cash.   It is now very easy to top up an existing employer’s pension scheme by adding your own personal pension, or an additional voluntary contribution to the existing  employer’s scheme .  

There is now no limit to the number of pension schemes an individual can contribute into, but there is an annual amount limit that you can contribute in any one tax year, and also a lifetime allowance.  

How much can I contribute to a personal pension ?  

In any one tax year individuals can now contribute the higher of £3,600 or 100% of earnings (up to the annual limit) and still receive tax relief on the contributions.  

Some of the key factors to consider when saving for retirement are:

How much income do you require.

What effect will inflation have.

Do you need flexibility.

What age do you wish to retire.  

What  options are available when it’s time to take my pension ?

When it is time to take your pension (pensions can be crystallised from age 50 until 6 April 2010 when the age increases to 55) you have the option of taking up to 25% of the fund as tax free cash.

Depending on the type of pension scheme and your age you will the have access to a scheme pension, lifetime annuity, unsecured pension , or alternatively secured pension.

Irrespective of your career stage, or existing arrangements, we can provide comprehensive pensions advice.