Whether you have already accumulated a comfortable level of wealth or you are regularly investing, our services will help provide peace of mind.
With pension rules constantly changing, it is no wonder that everyone finds this a difficult area to navigate without professional guidance. The new rules bring huge flexibility and advantages to those who are well advised; for example:
- It is possible to tailor income from pensions by combining tax-free cash and specific withdrawal levels to minimise income tax.
- The new rules allow you to incorporate pensions into an Inheritance tax and estate plan to retain wealth in the family for generations.
- Where practical, we will transfer pensions into a self-invested arrangement so you can benefit from our tailored investment approach via a bespoke portfolio.
Our highly experienced and qualified advisers will start by looking at your current financial situation and goals. Then we will help you manage your pensions and investments, property and savings to ensure they are working as hard for you as they possibly can.
Income in retirement can come from a range of sources, with pensions playing a key role alongside other options. We will combine all aspects of our expertise using lifetime cash flow planning with tax and investment planning to ensure that you understand how best to extract funds from your holdings so that your money can last your lifetime in comfort and security.
At every step of the way, we will help you make sense of terms like ‘pension annuity’ and ‘drawdown’ so you have a clear picture of your options and are equipped to make the right decisions at the right time.