PENSIONS
Whether you are just starting out to plan for your retirement, nearing retirement age or considering your retirement options, it is so important to get the right advice. We have the best interests of our clients at heart. It’s about long-term financial wellbeing and sharing responsibility for building a better future.
What We Do
We will talk and walk you through all the options available to you, whether that is to purchase an annuity for a guaranteed income or to understand how long your pension fund will last through cashflow planning, we will provide advice on the most suitable and appropriate solution based on important factors aligned to your retirement goals and objectives.
We are also able to review any existing personal pension arrangements which you may have accrued and analyse these from a cost perspective to ensure you are not paying over the odds for a plan that may be considered unsuitable. A review of the underlying investment will also be assessed to understand the appropriateness based on our approach to investing.
We do not advise on Final Salary Pensions.
In circumstances where these products do not meet your needs, we will broaden our research to companies with other products and funds.
The small print...
Pension values can fall as well as rise and you might not get back the original investment. Pension Investments should be seen as a long-term financial strategy. Tax treatment of pensions wrappers can and may change in the future. The Financial Conduct Authority does not regulate auto enrolment schemes.
Our Approach
01.
OBJECTIVES AND RISK
We will take the time to thoroughly understand what you’re looking to achieve and the level of risk you are willing to take. These will then reflect the investments we recommend.
02.
RAINY DAY MONIES
Keeping an ‘emergency fund’ for a rainy day in the Bank is an important part of financial planning. It gives you peace of mind that you can access cash, in an emergency without having to sell investments at what might be the wrong time.
03.
DIVERSIFICATION
Different types of investments (assets) can behave differently to each other at different periods during your investment timeframe; therefore, we will combine a range of assets to help mitigate risk.
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04.
COST FOCUSSED
Unlike future performance, cost is known, and where possible, we will keep a tight lid on these as costs can be the difference between success and failure.
06.
MARKET KNOWLEDGE
We combine index-tracking funds with actively managed funds, where they invest differently to the index, giving you the best of both worlds.
We will not try to time the market, and anyone who claims they can, history would suggest they almost certainly can’t. And whilst past performance can be seductive, we will not chase performance as it is often a weak guide to the future.