Pension & Retirement Options

As we are living longer, it is unlikely that the state is going to provide for us in our retirement, so it is important that we start saving as early as possible.

Having a sufficient income in our retirement should be a major financial priority, without it we could be facing poverty at a time when we would like to be indulging ourselves in our hobbies and interests.

There are clear tax advantages for pension planning, which everyone should take full advantage of.  Even business owners need to prepare for the future, however many think that at retirement they will sell off their business and live off the proceeds. However there are a number of risks associated with this, including the fact that the business may fail, or the proceeds may not provide a comfortable income during retirement.

Many clients have a number of pensions dotted around the place from various employers or old personal pensions. We would be happy to take a look at them and work out a retirement plan to meet your financial expectations.

The value of your investments and income from it can go down as well as up due to investment market fluctuations and you may not get back the full amount invested.

The levels and bases of and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.