Pensions

Pensions are usually a long term strategy and can cover many different types of pensions.

Pensions, some more than others, can be confusing and difficult to understand, given the jargon that goes with them. There is a lot of misinformation, and sometimes scaremongering, and we aim to simplify all that for you.

You are either:-

Just starting out and hopefully maximising your workplace pension opportunities.

Already on the road to retirement and unsure if you are doing enough.

Retired or nearing retirement and perhaps unclear on how your pensions will translate into an income for you and if you should be taking any action now.

We can help with all these points and more.

I don’t know how to draw or access my pension for my retirement. How do I pull it all together?

Would I better be with an Annuity (a secure income for life) or would a more flexible drawdown strategy be better for me?

I think I have a problem with the Lifetime Allowance (LTA) – is this anything to be concerned about and what are my options?

How much can I pay into my pension?

Will a pension contribution obtain tax relief or can I reduce my Income Tax liability with a pension contribution?

For all of these queries we will work with you to reach an answer you will understand.

The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.