Independent pensions advice
Pension guides:
Pension podcasts, vodcasts and webcasts: Pension tools:Most of us recognise that we need to plan ahead to save money for our retirement. There is now an increasing emphasis on the need for individuals to pay into private pensions to avoid relying on the government for handouts in old age.
With ever changing rules surrounding pensions (from the introduction of stakeholder pensions, pensions simplification and future auto-enrolment in National Employment Savings Trust (nest) pensions, the number of retirement planning choices increases. Should you be investing your money in an employer’s money purchase or final salary scheme, or a personal pension? And which pension funds offer your preferred level of risk and desired growth potential. Should I self invest or choose a managed fund ? This is where an IFA can help by guiding you through all your available pension options.
As you approach retirement, you will also need an IFA to tell you which is the most appropriate way to draw from your pension. Is it through a traditional annuity, phased retirement, income drawdown or a combination of these? Only an IFA can advise on every aspect of pension and retirement financial planning.
Download a FREE consultation voucher, which can be used to visit an IFA for pension advice. Once you have downloaded a voucher please bring it with you to your initial meeting with your local IFA. You can find an IFA by searching our 'Find an IFA' database.