IFA Financial Advisers in Surrey

Pensions and Retirement Planning

It is never too early to begin to consider retirement planning. However, once you reach the stage of considering your retirement income, expert financial advice becomes even more important. The choices you make at this time will affect your lifestyle, so you need to make sure they are right.

Pensions can be an effective form of tax planning, based on current rules, achieving tax free growth and a tax free lump sum. Dependent upon your circumstances, you may be able to reduce immediate income tax bills or pass on the value of your pension fund to the next generation.

It is essential that you review your pension situation regularly. We can advise you on taking steps to maximise the income your pension pot will be able to achieve when you retire.

We can guide you through this and other key life decisions and advise you on tax-efficiency, making certain that you are saving enough into your pension, enabling you to enjoy the retirement you deserve.

Options are varied and will be tailored to your circumstances.

Advice on taking benefits from pension schemes

We are experienced in providing advice on the many options available when taking benefits from pension schemes, including:

Decisions made today impact on your retirement income and lifestyle, so it's important to get the best advice. That's where we can help.

Past performance is not necessarily a guide to future performance. Investment and the income from them can go down as well as up and you are not guaranteed to make a profit from your original investment.

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

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