Pensions

It is never too early or too late to start a pension or to receive pension planning advice.

A pension plan is still the most tax efficient form of saving.

It is a well known fact that most people retire on less income than they would like. It is vitally important to obtain financial planning advice as early as possible. If you are approaching retirement you may be considering your options.

Consider this…..

Many people

• purchase their annuity or lifetime income direct from their pension provider. This is not always the best option.

• have no idea what their pension is invested in

• do not review their pension regularly

We can advise you on all of these points. We can actively mange your pension to make it work harder for you. In today's global markets there is always someone making money

We have a unique Fund Tracking Service that can help your funds grow. We manage millions of pounds of savings, investments and pensions on behalf of our clients, why not join them and experience the difference we can make to your future ?

Click on the left hand box for more information on our fund tracking service

Pension Transfers

Do you, like many of our clients, have more than one pension from previous employers or insurance companies?

Do you have any of your pensions in an underperforming fund?

Do you know how much your pension is worth now and more importantly how much income it will provide you with in retirement.

We offer a free and independent transfer analysis. It may be in your best interest to combine all of your pensions together to reduce charges and more importantly maximize your returns. It may also be worth switching your funds to enhance performance.

We can advise whether it is in your best interest to transfer or consolidate your pensions either directly or through our in house specialist division.

Also, with most of the pensions we recommend you can view them 24/7 via the Internet so you can see exactly where they are and how they are performing. No more waiting for an annual statement.

Please contact us for a further discussion.

Pension Tracking Service

Many people with previous pension arrangements from possibly many years ago, unsurprisingly do not know how to track them down, what they are worth or sometimes how many of them there are. This can often be an extremely time consuming and frustrating task. Our specialist knowledge in this area can help you discover lost pensions. Please contact us for more information.

We are authorised to advise on pension transfers but not on transfers in respect of occupational schemes (final salary/defined benefit) schemes. For occupational transfers we act as introducers only. We can advise weather it is in your best interest to transfer or consolidate your pensions either directly or through our introducer should this be required.