PENSIONS

Many people are baffled by the complex world of pensions. Many government and regulatory changes over the past 20 years have certainly clouded the picture for most and  recent market volatility concerns many people.

Many of our new clients will have a variety of different plans ranging from final salary schemes, occupational money purchase schemes, personal pensions and retirement annuity contracts.

Our aim is to try to simplify the process and rationalize each client’s pension portfolio, perhaps by switching into better performing funds within their current pensions, or by transferring them all into a multi manager style company with several hundred funds to choose from. One of the most important pension concerns for everybody should be to build up as large a pension fund as possible by the time that they reach retirement.

We have subscribed to a special process called the Pension Performance Review™. We believe that this process delivers a seriously good way forward for your pension funds.

For those that are still in current occupational pensions, especially final salary schemes, it is usually prudent and advisable to remain with the occupational scheme. For those with deferred occupational pensions, the picture is not always as clear and seeking quality impartial advice is important.

At retirement, the choices are numerous with regard to converting a pension fund into a retirement income and our expertise can guide you through the annuities and income drawdown  minefield to an appropriate choice for your personal and very individual circumstances.