Services

In-depth and sensible retirement planning.

Saving for your future is extremely important; many people think that retirement will take care of itself. This is far from the truth; it takes careful planning to get it right.

Once you have retired and are no longer receiving a regular income it could be difficult to make ends meet. There are many ways to save for your retirement; the most popular way is a pension.

They come in many variations, but usually a pension is a scheme that you and in many cases your employer pay into. When you retire you will have access to tax free cash and a regular income.

Pensions

Company pension schemes where both you and your employer would normally contribute.

Personal Pensions and Stakeholder Pension schemes are where you and/or your employer may contribute.

SIPPs (Self Invested Personal Pensions) these are a little more complex, but very similar to Personal Pension plans, however, you have greater investment flexibility and choice.

ISAs (Individual Savings Accounts) are tax efficient savings vehicles that give greater flexibility, they are not considered to be a conventional pension plan, however, they are becoming very popular for people who want control of their investment funds at retirement.

I held several workplace pensions from previous employers, Mark has helped me to plan for retirement by offering his company’s products which will help to grow my pension provision.

Mr. and Mrs. L, Huddersfield

Annuities

Annuities are a traditional way that people take their pension benefits; however, many people are unaware that they can shop around for the best deal, very much like buying any product or service. We have sophisticated research tools to analyse the market and to help find the very best annuity for you.

You may also qualify for enhanced annuity rates should you have pre-existing medical conditions and/or if you smoke.

There are a plethora of ways to take your retirement benefits such as income drawdown plans and With Profits annuities to name a few; however, all plans are subject to your attitude to risk.

Flexi-Access Drawdown

Designed for an ongoing retirement income, a Flexi-Access Drawdown pension lets you access your pension whenever you need to do so, then invests your remaining funds to provide your ongoing retirement income.

Tax Efficient Income

We can guide you through how to make you income as tax efficient as possible when you retire. Our expert advisers can explain how to make your income work for you.

Occupational Pensions

If you have an Occupational Pension which you and your employer contribute to, our advisers can still help you plan your retirement income. We can help you work out if your occupation pension will provide you with the lifestyle you want to have. By discussing your retirement plans we can help you carefully plan for your future.

Capped Drawdown

Capped Drawdown allows the funds in your pension pot to be invested into a scheme designed to pay you an income after a tax free lump sum has been made. Withdrawals can be made in any one pension year up to the GAD limit. (Government Actuary’s Department).

If you’d like to talk to us about your retirement plans and how we can help you to plan the future you want, please get in touch.

John has advised myself and my wife in relation to our pensions and the reinvestment of pension finds. His advice throughout has been clear and thorough picking out from the mass of literature the relevant points that we needed to know.

I have referred a colleague and a friend to John with extreme confidence and without hesitation and will continue to do so.

Mr. and Mrs. B, Wakefield

Arrange a free consultation to discuss your Retirement Planning

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Testimonials

“Highly recommended to anyone who is looking for security in a very uncertain world”

Financially and personally, the relationship has been a success and the investment growth, albeit in a fairly unsettled financial climate, has been impressive.

Lee is very switched on, and his down to earth approach to complex subjects is reassuring.

Highly recommended to anyone who is looking for security in a very uncertain world.

“I can’t recommend this company highly enough”

I've been using Mark and the team for a number of years now. Year upon year my pension has increased way in excess of any return i would get simply sticking my money in a bank. I get simple to understand quarterly statements letting me know exactly where i'm at, and i regularly get correspondence letting me know that my funds have been transferred in and out of different investments - which assures me that they are continually monitoring my investments to ensure i get the very best returns. I can't recommend this company highly enough.

“I found Mark to be most helpful and professional, offering the advice I needed to prioritise and plan my finances for the future”

I have had several meetings with Mark who I found to be most helpful and professional, offering the advice i needed to prioritise and plan my finances for the future.

I held several workplace pensions from previous employers, Mark has helped me to plan for retirement by offering his company's products which will help to grow my pension provision.

He is very knowledgeable of the current tax rules and this has enabled myself and my husband to draw down some capital now when we can gain the most benefit from the cash while still protecting our investments.