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 clients
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.
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.