Pension Planning

It's important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.

The value of your pension can fall as well as rise and you may not get back the original amount invested.


Pensions & Divorce

Pensions & Divorce

With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.

The value of retirement planning

The value of retirement planning

We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think. This article explains further.

What is a Personal Pension?

What is a Personal Pension?

Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.

How Personal Pensions work

How Personal Pensions work

The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you have several options which are usually designed to replace some (or all) of your employment income.

Income Drawdown

Income Drawdown

Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it's unlikely that they will continue to account for as high a proportion of retirement income products as they have in the past. This document will explain further.

Your Retirement Options and Pensions Freedom

Your Retirement Options and Pensions Freedom

On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your money purchase pension savings and the options you have in retirement.

Pensions

I expected the financial advisers to look at the funds I could switch to within my existing pensions. Is there a reason they don't do this? I now feel I need advice about the advice!
A reluctance to talk about death means many over 55s could be missing out on the opportunity to sort out their finances before they die.As a result, they could end up leaving problems for their loved ones to resolve and a possible tax bill.
The Civil Service Pension Scheme is putting a master trust in place for its AVC and partnership sections by this September. Victoria Ticha takes a closer look at the major restructure
The Pension Regulator (TPR) has appointed Dalriada Trustees to clean up a £21m defunct pension scheme.