DEFINED BENEFIT PENSIONS

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invest. It is important to assess your needs in relation to your individual circumstances.  We are here to guide you through and help you understand the benefits and guarantees of your existing plans, along with options available to you for your future.

Although the Financial Conduct Authority (FCA) believes it is not in the best interest for the majority of people to transfer out of a Defined Benefit Scheme, everyone’s circumstances differ.  By taking the time to assess and understand your personal situation, we can offer relevant advice to you accordingly.

Transferring out of a Final Salary/Defined Benefit scheme is unlikely to be in the best interests of most people.

The value of pensions can fall as well as rise and you may get back less than you invested.

Step 1 – Our service is bespoke to your current situation and your expectations for the retirement you want.  Our initial meeting will discuss your existing circumstances and future goals.

Step 2 – Using the latest cash flow modelling software, we will explore the most suitable option for you and produce a personalized, detailed, illustrated report.

Step 3 – Our recommendations will explain how we can provide the right option for your retirement and discuss the lifestyle options available toyou.

Financial Security

Everyone wants financial security. To achieve it you need a plan – without a plan you will arrive somewhere but the chances are it won’t be where you want to be. For your plan to work it needs to consider your goals, the choices available to you to meet those goals, and how changing circumstances might influence how you achieve your goals.