PENSION PLANNING AND TAKING BENEFITS IN RETIREMENT.



This area has become a minefield for both pension planning and taking benefits, there are so many rule changes that have occurred over the last few years and so many options available that it has become almost impossible for the general public to know what is best for them.

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As independent advisers we can provide you with all the necessary information you will need to make an informed choice, whether you are building a retirement fund for the future or looking to take the benefits from plans in retirement.

RETIREMENT PLANNING.



Reviews on existing pensions and the establishment of new plans, fund analysis and recommendations based on specific risk profiling of the client.



Personal pensions.
SIPPS, self invested personal pensions.
Group schemes.



Analysis of benefits at retirement with all options available to you for annuity purchase, drawdown, flexible options contracts.

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Analysis of your tax situation with regards to retirement income and how best to take benefits to provide the most tax efficient income.

PENSIONS AND DIVORCE.

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This is a complex area and you will need not only legal advice but also the services of an independent adviser to discuss and steer you through the all the options available to you. We work with your legal adviser to ensure you get the best and most suitable advice.

Impartial and comprehensive advice in all areas.

INVESTMENT PLANNING AND PORTFOLIO BUILDING.

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We are able to offer full independent whole of market advice on all areas of investment planning based on risk profiling and client strategy requirements, on new and existing plans.

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EIS schemes.
VCT schemes.
ETF schemes.
Collectives.
ISA funds.
Investment Bonds.
OEIC’s and unit trust funds.

ADVICE ON ONSHORE AND OFFSHORE PLANS.

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We are able to provide suitable trust wrappers for most types of investments so that you can rest easy knowing those you wish to benefit actually do so.

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TRUSTS

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Trusts are complicated legal documents and need careful and correct establishment to ensure they meet with all the requirements of the law, the Revenue and your needs.

INHERITANCE TAX PLANNING.

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Trusts and tax efficient investment plans to reduce the potential liability to your estate, professional advice on utilising the allowable IHT plans and thresholds currently available to ensure your beneficiaries receive as much as possible from your estate whilst meeting with the strict requirements of the Inland Revenue.

LIFE AND INCOME PROTECTION.

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Life cover based on term or whole of life for personal, business, family or loan protection.



Income protection schemes ensuring you have income through the difficult times of illness or accident.

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We are able to provide suitable trust wrappers to ensure the benefits of plans go to who you wish.