Pension Planning

 
Historically pension planning has been undertaken using insurance company products comprising with-profits and managed funds.

In recent years, these traditional products have been shown to be expensive, inefficient and unlikely to deliver the expected growth.

Our modern approach takes advantage of the more efficient and cost effective independent pension companies enabling us to access a huge range of investment funds rather than the limited range of funds offered by insurance companies. We apply active fund management to the pension portfolios which are designed to the client’s specific requirements.

Typically, our clients pension funds range in size from between £100,000 to £5m because at these levels the increased efficiency and enhanced service becomes very cost effective.

Retirement Options

We research the market for clients who wish to purchase an annuity at retirement to obtain the highest annuity income level.

For clients who want greater flexibility and control over their pension funds we advise on Income Drawdown and Phased Retirement allowing the pension fund to remain invested. This will be increasingly used by clients in future because under proposed legislation it will be possible to take maximum tax free cash with only a trivial commitment to taking income.