Pension planning is an extremely complex area and we pride ourselves in guiding our clients in the right direction. Constant changes in pension legislation has made retirement planning more complicated. However, pensions are still the most tax efficient way of saving. As such everybody should consider if pensions are the right way to save for retirement.

If you are planning for retirement we can advise on Stakeholder Pensions, Personal Pensions, SIPPs and so on. Each type of pension has different characteristics that will suit different clients. We will match you with the best contract for your circumstances.

We also help with preserved pensions including, Final Salary (Defined Benefit) schemes. Sometimes, it is in the client’s interest to consolidate all of their “old” pensions. There can be pitfalls in doing this; we will guide you through this.

As you approach retirement we can help you make the choice between Drawdown or Annuity (along with your other options) so that you will have an income that suits your needs as you get older.