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Pension Planning

It's important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, 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.

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

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The earlier you start saving, the sooner you can retire, so don't leave it any longer, says Harvey Jones.
THE NUMBER of people transferring out of gold-plated defined benefit pension schemes has shot up by 25 per cent, potentially jeopardising their retirement plans, according to insurer Royal London.
To forge a creative life, a measure of security and stability can be a tremendous boon
Pension savers are being urged by the Government to use their new right to force providers to tell them exactly how much has been taken in fees from their savings – and how these charges have damaged investment returns.
Hargreaves Lansdown has revealed how much money people need to set aside each year if they want to have 1m saved when they retire at 68