Retirement Planning - Planning Together for Your Future

Most people recognise that it is wise to plan for their retirement and this is especially true for those who are hoping to retire before the usual State retirement ages. Steps taken towards financial planning at an early age can prove very fruitful later in life and of course the earlier you start the more fruitful your retirement plans will be.

Pensions

Putting aside a regular amount of money during your working life is probably the best method to ensure that you will have sufficient income during your retirement. Investing into a pension plan has historically been the most popular method of making these regular commitments. The pension system has gone through a stage of simplification however the tax advantages offered by the UK Government will continue to provide you with the opportunity for your pension fund to grow with virtually no tax. You are also currently allowed to draw a significant amount of your pension fund as a tax-free lump sum.

Our pensions experts are on hand to guide you through the complexities of retirement planning and ensure that the plan recommended are right for your needs. With the recent onset of Stakeholder plans, the charges within pensions have been reduced dramatically and with the simplification of pensions as a result of 'A' day on the 6th April 2006, the options and benefits available to investors are even greater.

We offer the following pension options:

• Personal pension plan
• Self invested personal pension
• Stakeholder pension plans
• Group pension schemes

Pension plans are available for the employed, self employed or even those taking time out to raise children. It is also now possible to commence a pension from the age of 3 months hence giving your children a great start in life and what could be a very secure financial future in retirement.

Creative Options

It is becoming increasingly popular for people to use other methods of saving money for their retirement, such as an ISA. If you would prefer to use arrangements other than pensions, why not review our savings and investment options.

Simplifying Pensions

For answers to some frequently asked pension questions, please click here.

Why not contact us to find out how we can help secure a better future for you and your family.

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