Pension Expert

Retirement Options

Discover your all your options at retirement. Don't just accept the pension offered by your current pension provider or occupational pension scheme. Other options are available that may offer significant benefits compared with a conventional annuity or scheme pension. We have advisers covering all aspects of retirement planning including:

Our Aim is to help you understand your pre-retirement and at-retirement options. 


All approved panel IFAs who specialise in pension advice can demonstrate significant expertise and qualifications. Pensions can be complex and only advisers with the appropriate level expertise and qualifications should advise. By ensuring the highest standards are maintained we believe our readers will receive the best advice for their personal situation.

We have pension experts ready to provide advice on the following types of pensions:
  • Stakeholder Pensions
  • Auto Enrolment
  • Personal Pensions
  • Income Drawdown plans
  • Group Pensions
  • Executive Pensions
  • QROPS (Qualifying Overseas Pension Schemes)
  • Self Invested Personal Pensions (SIPP)
  • Small Self Administered Schemes (SSAS)
  • All Occupational Schemes
  • Pension Freedom - Accessing all your pension fund
  • Tax Free Cash - take it before retirement
  • Income Drawdown
  • Phased Retirement
  • Annuity options (our approved advisers will compare the whole market to find you the best rate for your situation)


Pension Analysis and Transfers


Consider all your options to ensure you maximise the potential of your pension

Our panel of approved independent advisers will assess existing plans and inform you of enhancements that may or may not be possible. Advice can be provided for both Personal and Occupational Pension.


Why you should review your current pension:

  • Are your funds performing well?
  • Are your funds suitable for your risk profile?
  • How much risk exposure do you have? 
  • Would you like the option of capital protection guarantees?
  • What are the charges applied and are they competitive?
  • Many pensions (Pre 2012) have expensive charging structures
  • Will you be able to take the maximum tax-free cash available?
  • If you were to die who would receive your pension benefits? Have you made appropriate nominations
  • Do you have Pension Freedom flexibility and options

It is our experience that many people now need to review their current pension contracts to ensure their pension funds are growing at acceptable rates and also to ensure that the intended beficiares will benefit from their pension arrangements following death. 

It may also be the case the charges on your policy are no longer competitive with modern pension schemes. In many cases significant improvements can be made to enhance your policy and maximise your future benefits.
 

We match your needs to the expertise of an approved IFA - 1 hour Free Advice

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THE FINANCIAL ADVICE NETWORK