You’re never too young to start thinking about what you’ll live on after you’ve retired, in fact the earlier the better. Thinking about your pension and planning for retirement will raise lots of questions, such as how much will you need, for how long and how much does that mean you need to save? Whilst the government has introduced some free tools for exploring the various options available to you, it won’t provide guidance on exactly what is best for you and your individual circumstances. Our expert Independent Financial Advisers will help you answer the many questions posed by pensions, and because we are independent, we can advise on a wide range of options to make sure you get the best deal available.
The sooner you start your pension the more time it has to accumulate compound interest and a few pounds when you’re young can turn into much more later on in life. Legally, most employers have to offer their employees access to a workplace pension, but if you’re self-employed you’ll need to set up a personal pension.
Divorce is generally considered a traumatic experience and one where you are frequently asked to make decisions about things you know nothing about. Are you entitled to a share of your partner’s pension? Have you been offered a share in a pension belonging to your Spouse? If so, how will you decide what you should do with it? Our experienced Independent Financial Advisers will lead you through the process with compassion and understanding, speaking in plain English so that you will be able to make the correct decision for you.
If you’d like to discuss pension sharing as a result of a divorce settlement, get in touch with us on 01621 842 808
As you approach your long awaited retirement, the number of decisions and choices you are asked to make can be extremely daunting, and most of those decisions are irreversible. Should you choose what is being offered by your scheme? Should you shop around for an annuity? Is a drawdown plan right for you? How do you want to invest your retirement pot? We will consider all of these options for you and present a detailed and personalised report explaining which we believe would be most appropriate for you and your circumstances. You will have all the information you need prior to making any decisions.
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