Pension Solutions

Simply put, you will either be accumulating your pension or living on it or about to live on it.

If you are in the process of accumulating a fund, we can help you in a number of ways. Firstly, you may find the shear scale of the task a little daunting and we will be able to build for you a manageable plan. We can help to give you certainty and remove an area of concern. We have considerable experience in helping people successfully to create a suitable sized fund for themselves. You may already have undertaken some planning and like many people need to take stock of where you are in order to plan your way forward. Again, our experience in providing expert analysis will stand you in good stead, you will be able to continue to plan with confidence. We fully understand the conflicting pressures facing those planning for the future and will help you to resolve them in the best possible way.

For the many people arriving at retirement or having just retired, the problems, and, therefore, the solutions, are very different. The choices facing those retiring with accumulated wealth, whether in a pension scheme or not, have never been more complex. Nor, though, has there ever been more choice. We will help to guide you through the myriad choices you face to ensure that you make the most appropriate decisions for your particular needs and circumstances. We will take into account, amongst other things, the level and frequency of income you require, any opportunities for tax planning, your need for flexibility and whether or not an annuity would suit your needs. Most people arrive at retirement with little experience of living off their capital, as opposed to accumulating it. This means developing or employing a completely different set of skills. We help, firstly by implementing the right advice and service processes and, secondly, by educating you about the various conflicting issues.

Few people realise their biggest asset should be their pension. Achieving a good quality pension requires commitment and time.

The process starts with getting the right structure in place. This will be a combination of sustainable, low fees and maximum investment choice.

Initially we will consider whether consolidation would create value by moving away from what are often heavily charged, underperforming policies with traditional insurance providers.

In a modern commission free environment, a cleaner product with more transparency and more suitable investment choices should reap dividends.

Getting the correct structure in place
During regular reviews we constantly monitor any gap between your projected outcome and your ideal solution. It is through this process that we help you work towards your major objectives.

Having reached retirement, we will guide you through the many options you have and help you achieve a sustainable income.

In many respects, successful planning is entirely dependent on having the right structure in place. Paying out too much in charges can severely hamper your efforts in wealth creation but having too restricted a range of choices or lack of transparency can also impede progress.

We will ensure that you make the right choice for your objectives and circumstances, leaving you to focus on your more important things.