We can help you to decide how much you should be putting in to your pension. We can also help you to ensure that your pension contributions are tax efficient; remember, the Government provides income tax relief on contributions you make to your pension.
Most people have several different jobs in their lifetime and therefore their pensions can be scattered around with different companies. We can review your existing pension arrangements to establish how much you have got saved and what they will provide you with when you retire. Then, if it looks like your pensions will fall short of what you will require, we can help you correct this.
Can my pension work for me?
You may not want to retire yet but instead require capital for a business venture. You can use your pension to help you fund a particular project and this is something we can help you with.
We know that if you are at retirement age now, pension companies can provide you with a lot of paperwork about the pension they are offering you, which might be difficult to understand. We can take the stress of this away from you. You should also be aware that you can take some of your pension as a tax free lump sum, which could be used for any number of things, paying off your mortgage for instance, or scaling back your working hours.
Make the right decision for your retirement
Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances.