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Pensions & Retirement Planning 2017-05-05T12:23:34+00:00

PENSIONS & RETIREMENT PLANNING

Forward planning for your retirement, can make the difference between financial security in later years and the worry of wondering how you will cope. A comfortable lifestyle in retirement is something to which we all aspire and increasing longevity means that we all need to make extra provision for that retirement.

Pension Planning…

When it comes to providing for our retirement too many people are doing too little too late. Putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire. Most pensions benefit from tax breaks and you can even contribute to a pension if you don’t work.

We are increasingly expected to take control of funding our own retirement. Yet this is a hugely complex area, with the rules on making contributions and how you eventually draw your pension changing frequently.

Today there are a number of tax efficient ways of providing for a comfortable retirement. The area is complex and choosing the right vehicle requires a detailed understanding of your personal circumstances, tax position, employment status and more.

Retirement Planning…

For those at retirement or are already retired it is important to plan the correct level of income required from your pension arrangements. This should take into consideration the current pension legislation as well as your personal circumstances, tax implications including inheritance tax, your beneficiaries, flexibility and of course control.

A PENSION IS A LONG TERM INVESTMENT THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND ON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES, AND TAX LEGISLATION. TAX ADVICE IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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