Pension Lump Sum Investment

Ok so lets wave a magic wand. You are 60 years of age, physically in good shape, have just decided that you no longer want to work and have enough money in your pension to really live without any financial issues.

What a great position to be in! You will need advise on your options, no, you need expert independent advise on your options.

You will need help answering some of the following questions.

How much money can I take tax free.
How much money should I take tax free.
Do I need to take care of any debts.
How is my cash flow, do I need any money now?
Am I likely to trade down my house.
Are there any family considerations?
What happens to my fund if I die?
Do I have another income source.
Is inheritance a big issue for me?
If I keep the money invested, what is the most tax efficient method?
What level of risk do I want for investment?
How much can I take out, what are the tax issues?
What are annuity pension rates like?
Is it a good time to buy annuities?
What changes are coming down the line from Government?
How will they affect me and my pension?
Do I need to consider inheritance tax planning, to reduce the costs to my family?
Can I go back to work if I need to?
What flexibility do I have?
Will I have ongoing advice requirements?
Who has the best deal on the open market for me?

These are typically some of the questions we get asked from Retirees, and there is no magic answer. We are fully Qualified Financial Advisors, have a Diploma in Pensions and have several professional financial qualifications which we believe are relevant to you. We deal with all the main pension providers and can advise you independently on the best deals in the market..

We believe that whoever is talking to you about your money must have the knowledge, expertise, professionalism and above all the ability to help make you happy with your finances in retirement.

Make an appointment today!