Pension Planning

Planning ahead for retirement is important – and getting the right advice at the right time from our advisers can make all the difference in achieving your financial goals. 

Below we explain why pension planning is so important and describe some of the options available to you. This information is intended only as guidance. Please engage with us for advice on your specific circumstances.

For specific advice, please get in touch.

The value of your pension can fall as well as rise and you may not get back the original amount invested.

Teachers Pensions logo.png          Teacher's Pensions Scheme

           The specialist expertise we provide helps teachers make the most of their Teacher's Pensions Scheme.  We publish a regular newsletter on the Teacher's Pension Scheme.

Automatic Enrolment for Employees

Automatic Enrolment for Employees

A workplace pension is a way of saving for retirement arranged by an individual’s employer. It is sometimes called a ‘company pension’, an ‘occupational pension’ or a ‘works pension’. Automatic enrolment into a workplace pension is an easy, hassle-free way for workers to save for their retirement while they are earning.

Automatic Enrolment for Employers

Automatic Enrolment for Employers

The government has introduced a new law designed to help people save more for their retirement. It requires all employers to enrol eligible workers into a workplace pension scheme if they are not already in one.

How Personal Pensions work

How Personal Pensions work

The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you have several options which are usually designed to replace some (or all) of your employment income.

Income Drawdown

Income Drawdown

Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it's unlikely that they will continue to account for as high a proportion of retirement income products as they have in the past. This document will explain further.

Pensions & Divorce

Pensions & Divorce

With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.

The Value of Retirement Planning

The Value of Retirement Planning

We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think. This article explains further.

What is a Personal Pension?

What is a Personal Pension?

Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.

Your Retirement Options and Pensions Freedom

Your Retirement Options and Pensions Freedom

On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your money purchase pension savings and the options you have in retirement.

Pensions

When someone dies, their death must be reported within five days in England and Wales, or within eight days in Scotland via the DWP. Once registered, the person's payments should stop - but sometimes they don't
The All-Party Parliamentary Group on the issue of 1950s Women’s State Pensions have sent a submission to the Parliamentary and Health Service…
This year is set to be the biggest on record for pension scheme de-risking in the UK, with £65bn of bulk annuity and longevity swap transactions forecast.
While the pandemic accelerates society towards a new digital age, it would seem that many defined benefit (DB) pension schemes are still lagging behind.
The Department for Work and Pensions has faced a barrage of criticism over the fiasco which saw 134,000 mostly women miss out over decades.