People seeking pensions advice

Helping you to evaluate your pensions and make changes for better returns

Given the myriad of changes that have occurred with pensions in recent years, it’s not surprising that many people are confused. Nevertheless, one thing remains the same; pensions are still the most tax-efficient investment you can make.

Understanding the value of your pensions, what that means for your future and the changes you can make to get better returns is essential when evaluating your income for retirement.

We can evaluate your existing pension schemes in terms of their charges, performance and features, then compare your funds with alternative options to establish if they are competitive. We will also establish whether your pension funds are invested in line with your attitude to risk.

As Financial Planners, we help you understand how well your pension is performing and what you need to do to get the income you require.

Here’s what we do:

1. Listen

At a free initial consultation, we begin by understanding what is important to you and your current financial goals. We also collect your personal information and explain our fee structure. The consultation will close with a summary of our findings, and our suggested next steps towards a tailored solution to your needs. There is no obligation to proceed at this stage, and no costs will have been incurred.

2. Research

The next stage is to analyse your financial situation. We will use the information gathered about you to thoroughly analyse your financial position, using our extensive knowledge of financial markets, then diligently research potential solutions for your needs.

3. Advise

We will create a bespoke financial plan, recommending the best financial solutions to achieve your goals. At a second meeting, we will explain our research and recommendations so that you can make fully informed decisions. We will take you through our report step-by-step, and you are free to take the report away and give it due consideration before agreeing to move forward to the next stage.

4. Implement

Once you feel that you can make a fully-informed decision to proceed, and you have given us your consent to do so, we will begin the process of implementing our recommendations. We will assist you in completing all the relevant forms and ensure your applications are processed by the relevant investment houses and providers in a timely manner.

5. Review

It’s important that your plan is reviewed regularly to ensure that it is optimised for any changing personal circumstances, economic fluctuations, tax legislation and regulations. Finally, we will provide you with online access to view your investments at the touch of a button.

Withdrawing income from pensions tax-free – Colin and Jean
Colin and Jean wanted to know the best way to take income from their pensions. Ideally, they wanted a household income of £40,000 per year.
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