Pension Planning

The April 2006 Pensions Act represents the biggest overhaul of the pensions system in many years.

Almost every individual with a pension plan
of reasonable worth should take advice to ensure that they make the most of the Pensions Act changes. The Pensions Act means that, for the first time, pension funds can invest in a much wider range of investments.

Self-Invested Pension Plans allow individuals to take control of their own pension funds and have a real say in the investment decisions.

Retirement options are also changing, instead of the annuities that were always purchased at retirement, investors now have a wide range of options enabling them to defer the purchase of an annuity, retire early, take their tax-free cash whilst leaving their pension till a future date and even ensure that the majority of their pension fund will pass to their spouse, children or grandchildren after their death.

It has never been a more important time than now to take quality independent pensions advice in respect of your pension fund. This will ensure that you make the most of the pension benefits you have worked so hard for.

Our pensions advice will ensure the ongoing management of your wealth and also plan for the tax-efficient preservation of your pension fund to the next generation.

Before seeking advice on pension provision it's worth getting the basics straight first.

Occupational schemes

Personal pensions

Stakeholder pensions