Retirement Planning

(See corporate pensions.) Whilst pensions have been the subject of adverse publicity in recent years, they remain a tax efficient tool to fund for your retirement. With average mortality rates continuing to rise, the need to accumulate funds for your retirement has become even more important. Now that the Finance Act 2004 has been fully implemented and with April 2006 been and gone the new pension regime is established and here to stay. It is timely that you review your current pension arrangements. We are on hand to provide advice on the following:

• Self Invested Personal Pensions (SIPPs);
• Small Self Administered Schemes (SSASs);
• income drawdown pre 75 and post 75 years;
• retirement options;
• phased retirement;
• company pension schemes;
• annuity purchase;
• executive pension plans;
• stakeholder personal pensions.

There is a real need to review your existing arrangements to ensure that you take advantage of any transitional entitlements to protect your tax-free cash or personal lifetime allowance limit; as well as ensuring these existing benefits continue to meet your expectations.

Refer to our portfolio construction page to view our investment philosophy.