What is Retirement Planning?

  • Planning to provide an income in retirement to replace the earnings made while you are either employed or self-employed.
  • We specialise in setting up pensions on both an individual and corporate basis.
  • In addition, we offer a comprehensive review service which looks at whether your existing pension is performing as well as you would expect.
  • This can take a number of forms such as a pension, alternative forms of saving for retirement, purchase of several properties etc.

Is a pension worth having?

  • 41% of UK adults have no pension provision which works out at around 15 million adults with no pension.
  • This paints a bleak picture for those retiring in the future with the state pension currently paying a maximum of £102.15 per week (assuming full NI contributions). This means that private pension provision is needed to boost income in retirement
  • The bonus is that pensions are a tax free way to put savings aside.
  • Pension planning can be a complicated business and specialist advice is often needed. This is where we can be of help.

As IFA’s we can advise on all aspects of pension planning including personal pensions, company pensions and SIPP’s as well as alternative forms of retirement planning. Please contact us today for a free, no obligation, initial meeting.

How much does it cost?

There are many different types of pension available from low cost stakeholder plans to those which have both set up fees and annual admin fees associated with them. We will guide you through all these costs.

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Contact us today for a free, no obligation, initial meeting.

Click here if you have a financial services question on your mind and we will try to provide an answer as soon as we can.

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A pension is a long term investment. The fund value may fluctuate and can go down.

Malcolm Barclay

For more information on retirement contact Malcolm Barclay on:

Tel: 01206 871120
Email: malcolm.ifa@bgafs.co.uk

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