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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 convert the fund into a regular income payment, which is 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 % of retirement income products as they have in the past, Why, you ask? This document will explain further.

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STATE PENSIONS will increase in April as new rules come into force that completely change the way pensions are dolled out. Here is how changes in the state pension in 2018 could mean you’re set for a cash boost.
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Striking lecturers are not the only ones whose pensions will be impossible to live on, says André Spicer, professor of organisational behaviour at the Cass Business School at City, University of London
I estimate when I retire I could have a pension of £20,000. My wife has nothing. She worked mainly part time whilst raising our children and now is the principal carer for her mother.