We work in partnership with you to determine your financial plans and goals.
Our success is a reflection of the success and standing of our clients.
Personal financial planning helps our clients achieve their personal financial goals.
Our clients are at the focus of everything we do
Because achieving your life goals needs to be planned
A lasting, long-term working relationship is key to delivering informed and relevant advice.
Pensions
Flexibility, simplicity, portability and value for money are the key elements we aim to provide when advising our clients in this complex area.
SIPPs - Self-Invested Personal Pensions
A SIPP is a Personal Pension Plan which provides the maximum flexibility allowed to an HMRC Approved Personal Pension Scheme in the UK. It complies with current pension legislation, and investments within the fund ultimately provide for your retirement. The main difference between a SIPP and a Personal Pension Plan is that the SIPP can accommodate all types of investments and asset classes.
Income Drawdown Plan
Income Drawdown (also known as an unsecured pension) allows you to take income from your pension fund while the fund remains invested and continues to benefit from any fund growth. You generally need a substantial fund value to take income drawdown. This fund value varies according to the pension provider, but is approximately £100,000.
Phased Retirement Plan
An alternative option to buying an annuity when you retire. It allows the purchase of a pension to be phased, thus allowing flexibility when considering retirement.
Personal and Stakeholder Pensions
These are defined contribution arrangements which provide retirement benefits based on a ‘pot’ of money, accumulated by the build up of contributions. They are essentially investment policies that provide an income in retirement and are available to any UK resident who is under 75 years of age.
Annuities
An annuity can be purchased from an insurance company which provides you with a set level of income for the rest of your life in exchange for a capital sum. Additional features can be incorporated into the terms of the annuity, including protection against inflation; spouse’s pension; guarantee payment periods; guaranteed capital sums; investment elements and so on. It is also possible to purchase shorter term annuities and enhanced annuities for those with certain lifestyles or illnesses.