Pensions – Choice | Freedom | Decisions

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

Tax treatment varies according to individual circumstances and is subject to change.

The government wants you to have greater freedom in the way you access and spend your pension fund. There has been plenty of talk in the financial media about the revolution of retirement freedom and the benefits and decisions it creates. Retirement really is changing.

Everyone can spend their fund as they see fit. But do you see this as an exciting freeing up of your retirement choices and a license to spend your money as you wish, or do you worry about making the wrong choice? Maybe you don’t know which way to turn? We’ll consult with you to discuss and make retirement work:

  • The money you need in retirement
  • Your tax position – withdrawing funds effectively
  • Tax free cash or income?
  • Remaining invested during retirement
  • The inheritance you can pass on

With the pension revolution, and the failure in some cases of annuities to provide a suitable income due to a low interest world, the need to remain invested has become a reality for many. Membership of final salary schemes are diminishing. You may well need to remain invested in more volatile markets than you have been prepared for.

Contact us today to find out more about the best  pension for you