Pensions Advice
For detailed information about pensions, have a look at the section on Pensions under the Financial Planning heading.
Our Pensions Advice service includes:
- A review of your current pension arrangements
- Testing your existing pensions against the lifetime limit
- Recommending contribution levels
- Review of tax free cash, death benefits, any guaranteed benefits, transfer values (where appropriate)
- Platform selection (e.g. Wrap, Stakeholder, Personal Pension, SIPP, SSAS)
- Portfolio construction, using a clear and transparent asset allocation model, based on your objectives and attitude to risk
- Annual pension review, including performance against objectives, and risk profile.
- Advice on your retirement options and taking the benefits (annuities, unsecured income, phased retirement, alternatively secured pension, scheme pension)
- Unlimited contact by phone, e-mail, and letter.
- Valuations at any time on request.
- Liaising with other advisers (tax accountant, solicitor).
- Client Newsletters.
- Occasional client seminars.
The cost of the service is 0.5% of the pension value per year, when there is ongoing investment advice required, and an initial charge for financial planning and implementing the arrangements.