Are you looking forward to retirement?
The good news is that, because life expectancy and health in older age continue to improve, most of us can look forward to many years of active and fulfilling leisure in our retirement!
The bad news is … that we have to pay for it! Indeed, for many people, retirement will unfortunately not be quite the stress-free time they envisage.
Did you know the Full Basic State Pension for a single person (if you have paid, or are treated as having paid, sufficient National Insurance contributions) is currently around £95.25* a week. Think about it. Could you live on that amount a week at present? Even assuming that your costs in retirement may be lower – your mortgage may be paid off, your family may be less reliant on you – you deserve to enjoy your new-found leisure time.
We are independent financial advisers and provide impartial advice to help you make the right decisions, to save for a comfortable retirement. We’re not tied to any financial service provider and pick from available products on the market to find the one that best suits your needs. We can help guide you through the legislation and regulations and we can advise on the best options available.
Give us a call now and start planning your future today.
* if you are eligible, Pension Credit may top up your weekly income to a higher amount than this. 2009/10 tax year
WHAT IS A PENSION?
Simply a form of saving for retirement with some tax advantages
WHAT TAX ADVANTAGES?
The Government gives you tax-relief on money you put into an approved personal or company pension, to encourage you to save for old age
WHAT'S THE BEST PENSION?
That depends on your individual circumstances. However, before taking out a pension it's a good idea to talk to an authorised financial adviser
WHAT AGE DO I GET
MY STATE PENSION ?
HOW MUCH STATE
PENSION WILL I GET?
CAN I TRACE
AN OLD PENSION ?
Remains of the state second pension
That’s why it is important that you now begin saving for your retirement or take steps to review the adequacy and maybe the charging structure of any existing provision. It does not have to be beans on toast every day if you let us help you plan your retirement properly now!
GOT AN OLD PERSONAL PENSION?
Increasing numbers of people are switching their pensions. The reasons vary, with some looking for better fund performance and lower charges, and others just consolidating lots of smaller pensions into one pot. Whatever the reason, if you're thinking of transferring a pension, it's important you first take expert advice. CONTACT US TODAY
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