Pensions

To make sure your retirement income is sufficent ...

... your best retirement asset is a good plan ...

We offer detailed planning and investment advice for individuals & employers, including a simple pension review service to demystify the process of pension planning, so individuals and employers are able to recognise the true value - and limitations of pensions.

Individuals would generally just like to know their pension will meet their retirement income needs and, within that simple aim, would also like to know how to make this happen.

Employers generally provide pensions as an employee benefit and are looking for simple administration and low scheme costs to support this. Additionally some workplace support in providing information and advice to scheme members is often appreciated by employers.

As planners and advisers we can assist you in many ways.

Our advice includes a review and analyis of of existing schemes.

Our Pension Review Service has specific steps to provide individuals and employers with enough information to be able to set up, implement and use a pension scheme to meet their needs:

1. Establish a target benefit
2. Establish the value of existing provision
3. Review affordability of current and future funding
4. Indicate a funding schedule to meet the target
5. Agree a review schedule

Whether you are establishing pension provision from outset, accumulating value within your existing scheme or considering how to get the best value and benefit in retirement, we're proud to be able to offer you the highest level of professional financial advice and support to help you meet your goals.

Importantly, we help review your provision to match your changing needs.

To estimate the size of pension fund required to provide enough retirement income, current annuity rates are useful, illustrated here (Money Advice Service, a free, independent information service, set up by government).

If you think we might be able to help, we look forward to meeting you.