PENSIONS
SIPP (SELF INVESTED PERSONAL PENSION)
It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This will mean careful consideration of your pension fund throughout your working life.
A Self Invested Personal Pension (SIPP) is a wrapper for your pension investments and gives you control of your pension, whereas most members of a company pension scheme have very little control and almost no idea where their pension money is invested.
Also, with many of the UK’s largest companies closing their final salary schemes, many members now have to look at taking their pensions into their own hands.
PERSONAL PENSION
PENSION SWITCHES
Since pension freedoms there has been a great movement of money into personal pensions.
Money in pension funds is safeguarded from business failure.
If you run a business – the company can invest in your pension fund – saving you and the company on certain tax payments.
We take a holistic view of pension accumulation let us share it with you.
If you feel a little disappointed with the performance of your pension call us today for a FREE pension check.
We will analyse your current pension against the whole of the market to provide a comparison that will enable you to decide if you want to move it elsewhere.
Remember we are fully independent and have no favourites – just the most suitable pension for you.
PENSION TRANSFERS
Pension transfers are all over the press. We will only say YES to a pension transfer if it is in your interests to do so.
The decision to transfer commences from a NO position and it is only after our qualified pension transfer specialists have undertaken all of the necessary research and cash flow modelling and then tested the outcomes against your priorities, needs and wants and your attitude to risk and capacity for loss that we will present our view to you.
You cannot practise this one….it’s a once in a lifetime decision and it needs to be right.