Pension Decumulation Planning

Published / Last Updated on 18/12/2018

Pension Decumulation Planning we liken to flying:

Take Off: Starting out

Ascent: climbing and planning to get to a destination

Glidepath: on target to reach target and then descent into retirement

Landed: at retirement, Which gate? Annuity v drawdown, secure income and additional drawdown and

2nd/3rd leg plans for your ongoing retirement 'journey'.

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Video explores the benefits of pension payments by employer over the Lifetime Allowance even with penalties and tax charges....

> 6y11m

Pensions

Lose Fixed Protection with Auto Enrolment

Lose Fixed Protection with Auto Enrolment

Video looks at the risk of losing fixed protection on the lifetime allowance with automatic enrolment in workplace pensions....

> 6y11m

Pensions

Pension Contributions When Annual Allowance Capped

Pension Contributions When Annual Allowance Capped

Apart from the usual tax charge here's an alternative way to pay pension contributions when your annual allowance has been capped or tapered....

> 7y

Pensions

How Do I Check My Investment Fund Make Up

How Do I Check My Investment Fund Make Up

Video shows you how to quickly find out what your pension or investment fund is actually invested and whether you have too much stock market risk without even knowing....

> 7y

Investment

Manage My Own Investment Fund Switches

Manage My Own Investment Fund Switches

Many investors want to manage their own pension and investment fund switches rather than pay an adviser a fee to do the same. The usual routes for online management ...

> 7y

Pensions

Adjusted Income and Threshold Income

Adjusted Income and Threshold Income

Don't get tax smashed for paying too much in pensions. Video explores the Threshold Income test and Adjusted Income calculations for tapering pension annual allowance for higher earners start ...

> 7y

Pensions

Fixed Protection 2016 Individual Protection 2016

Fixed Protection 2016 Individual Protection 2016

Video explores using either fixed protection or individual protection for lifetime allowance cuts in April 2016. Do you have large pension funds or will yours grow to or above ...

> 7y

Pensions

Financial Advice Confirmation Letter

Financial Advice Confirmation Letter

Are you trying to transfer your pension to flexible but the pension company wants a Financial Advice Confirmation Letter? What are the costs? Why will a financial adviser not ...

> 7y1m

Pensions

Will Pension Lifetime Allowance Increase or Disappear

Will Pension Lifetime Allowance Increase or Disappear

Video explores speculation that the Pension Lifetime Allowance will Increase or could Disappear in Budget 2016 as part of pension tax relief changes and simplification....

> 7y1m

Pensions

Earmarking Order Flexible Pension Drawdown Problem

Earmarking Order Flexible Pension Drawdown Problem

Video - if you are divorced and have a pension earmarking order in place, you need to check if the new flexible pension drawdown rules may put you at risk....

> 7y1m

Pensions

Lifestyle Pension Fund Pros and Cons

Lifestyle Pension Fund Pros and Cons

Video - many pension schemes have a default 'automatic' switching lifestyle fund, where your pension is automatically move to lower risk at given ages or dates. This can be ...

> 7y1m

Pensions

Flat Rate Pension Tax Relief Forecast

Flat Rate Pension Tax Relief Forecast

In this video, we give a forecast as to the anticipated Flat Rate Pension Tax Relief that may be announced in the March 2016 Budget....

> 7y1m

Pensions

Pension Payment Before Budget 2016

Pension Payment Before Budget 2016

Videos explores the risks of delaying any pension contribution until after the budget 2016 for higher rate taxpayers. Should pay into pension before the Budget?...

> 7y1m

Pensions

Calculate How Much To Drawdown From Pension

Calculate How Much To Drawdown From Pension

Video shows you how to work out the how much to drawdown gross from your pension for a net amount of funds to be paid....

> 7y3m

Pensions

Hybrid Retirement Annuity Drawdown Pension

Hybrid Retirement Annuity Drawdown Pension

Video explores the development of a hybrid pension scheme that offers the security of guaranteed annuity income with an element of flexibility using part of the pension for flexible drawdown....

> 7y4m

Pensions

Cons of Flexible Pension Drawdown

Cons of Flexible Pension Drawdown

When should you not do Flexible Pension Drawdown. Videos offers some guidance on the risks, cons and flaws in flexible access drawdown....

> 7y4m

Pensions

Auto Enrolment Advice Small Business

Auto Enrolment Advice Small Business

Video looks at our auto enrolment service for small employers. Whether to use the scheme set up by government or to use our full advice service for a wider ...

> 7y4m

Pensions

Flexible Drawdown v Equity Release

Flexible Drawdown v Equity Release

Video explores the concept of not spending pension or flexible drawdown money but using equity release given that tax benefits on death for Pension Drawdown....

> 7y5m

Equity Release

Lasting Power of Attorney with Pension Flexible Drawdown

Lasting Power of Attorney with Pension Flexible Drawdown

Video explores the need to have a Lasting Power of Attorney in place if you have flexible pension drawdown. If you lose capacity who will give instructions to get ...

> 7y5m

Law, Wills, Attorneys

Pension Auto Enrolment Small Employer 2015 2016

Pension Auto Enrolment Small Employer 2015 2016

Video looks auto enrolment workplace pensions for Small Employers with staging dates 2015 and 2016 which pension companies to use....

> 7y5m

Business

Pension Flexible Drawdown Tax Explained

Pension Flexible Drawdown Tax Explained

Video explains how large lumps drawn down from a flexible pension after the tax free lump sum are taxed whether HMRC has issued a tax code or not and ...

> 7y5m

Pensions

110000 Threhsold Income Pension Annual Allowance

110000 Threhsold Income Pension Annual Allowance

Video explains how to work out £110,000 threshold income for annual allowance to avoid taper reduction of annual from £40,000 even if you pay in more than £40,000 to ...

> 7y6m

Pensions

Reduced Tapered Pension Annual Allowance 2016

Reduced Tapered Pension Annual Allowance 2016

Video explains how the maximum amount you can save each year in a pension for high earners starts to be reduced by a tapered reduction from 2016....

> 7y6m

Pensions

Double Pension Annual Allowance 80000

Double Pension Annual Allowance 80000

Video explains the merger of pension input periods with tax year pension annual allowance and how you could double to £80,000 the amount that can be invested in a ...

> 7y6m

Pensions

Tax Relief Personal Contributions to Company Pension

Tax Relief Personal Contributions to Company Pension

Video explains how the 'net pay' arrangement works for personal contributions from pay to a company pension and how tax relief is secured....

> 7y6m

Tax Plan

Tax Relief on a Personal Pension

Tax Relief on a Personal Pension

Video explains the simple way that tax relief is added to personal pensions at basic rate relief and any balance for a higher rate tax payer is refunded via ...

> 7y6m

Tax Plan

Carers Credit National Insurance for State Pension

Carers Credit National Insurance for State Pension

Video explains how the Carers Credit for National Insurance when looking to protect State Pension entitlement. Are you over 16 years old yet under State Pension Age and caring ...

> 7y6m

Care

Compounding Money Effect

Compounding Money Effect

Video explores our concept of "Pay 9" - pay off your mortgage in 9 years, get the same pension in 9 years that you would get after 25 years ...

> 7y6m

Advice Tips

Phasing in Retirement

Phasing in Retirement

Many people look at staggering their retirement this is known as phasing in the financial industry. Video explains how phasing can work in a practical, tax efficient sense when ...

> 7y7m

Pensions

Target Date Fund v Lifestyle Fund

Target Date Fund v Lifestyle Fund

Video explores the use of Target Date investment funds rather than Lifestyle investment funds when pension or investment planning....

> 7y7m

Investment

Can I Buy Company Shares With Pension SIPP

Can I Buy Company Shares With Pension SIPP

Video explains the rules for how to buy private limited company shares with either a company pension scheme e.g. SSAS or a private, personal pension plan such as a SIPP....

> 7y7m

Business

Retirement Annuity v Flexible Pension Drawdown

Retirement Annuity v Flexible Pension Drawdown

Video to debates pros and cons at retirement for annuity versus flexible pension drawdown....

> 7y7m

Pensions

Pre 1988 GMP Increases Stop

Pre 1988 GMP Increases Stop

Video explores contracted out of SERPS final salary pension schemes with GMP where inflation increases when pensions are paid and funded via small State Pensions increases will stop when ...

> 7y7m

Pensions

Pension Lifetime Allowance 2016

Pension Lifetime Allowance 2016

Video explores the cut in Pension Pension Lifetime Allowance in April 2016 from £1.25 to £1m and how you can use fixed protection 2016 and individual protection 2016....

> 7y8m

Pensions

Reduced Annual Allowance High Earner

Reduced Annual Allowance High Earner

Video explores impact of Summer Budget 2015 and reducing the pensions annual allowance if you are a high earner above £150,000 taxable income....

> 7y8m

Tax Plan

SSAS Small Self Administered Scheme

SSAS Small Self Administered Scheme

Video explains the basics for a director or senior employee's self invested pension scheme called a SSAS, a Small Self Administered Scheme....

> 7y8m

Business

Company Pension Types

Company Pension Types

Video explains the basic structure of the two types of company pension: defined benefit schemes and occupational money purchase schemes....

> 7y8m

Pensions

10000 Annual Allowance Defined Benefit Scheme

10000 Annual Allowance Defined Benefit Scheme

Video explores the reduced annual pension contribution allowance of £10,000 from £40,000 when using flexible pension drawdown and its impact on defined benefit and final salary pension schemes....

> 7y8m

Pensions

Flexible SIPP Hybrid

Flexible SIPP Hybrid

Video takes a look at why you should consider a flexible self invested personal pension SIPP hybrid rather than a full service to control your charges by only paying ...

> 7y9m

Pensions

Lifetsyle Pension Fund Switching

Lifetsyle Pension Fund Switching

Video explains the principle of lifestyle funds and automatic switching of risk profile between higher risk, medium risk and lower risk funds as you get closer to your retirement ...

> 7y9m

Pensions

Additional Voluntary Contribution Scheme AVC

Additional Voluntary Contribution Scheme AVC

Video explores the basics of freestanding additional voluntary contribution schemes FSAVC and company sponsored additional voluntary contribution schemes CSAVC when topping up company pensions....

> 7y9m

Pensions

How Do Pension Payments Increase

How Do Pension Payments Increase

Video explains how company pension payments increase for both normal pensions in payment increases and gmp guaranteed minimum pension in payment increases....

> 7y10m

Pensions

Alternative to Flexible Pension Drawdown

Alternative to Flexible Pension Drawdown

Video explores the alternative to flexible access pension drawdown if your pension does not offer it or your pension company will not do it without financial advice. This is ...

> 7y10m

Pensions

Life Expectancy Financial Planning

Life Expectancy Financial Planning

Video looks at the issues of taking life expectancy into account when looking at flexible pension drawdown planning and later life care fees planning. You need to be aware ...

> 7y10m

Pensions

Protect Annual Allowance with Small Pension Drawdown

Protect Annual Allowance with Small Pension Drawdown

Video explains how if you wish to have some access to flexible pension drawdown but still wish to keep the full pension annual allowance of £40,000 rather reducing to ...

> 7y10m

Advice Tips

Claim Back Tax Deducted From Pension

Claim Back Tax Deducted From Pension

Video looks at how pension drawdown is taxed at source and how you can claim back or reclaim overpaid tax from HMRC....

> 7y10m

Pensions

How Is Flexible Pension Drawdown Taxed

How Is Flexible Pension Drawdown Taxed

Video explains how flexible pension drawdown is taxed and at what levels of tax and what elements are tax free....

> 7y11m

Pensions

Pay No Tax Flexible Pension Drawdown

Pay No Tax Flexible Pension Drawdown

We show you how to reduce and avoid altogether income tax when drawing down pension funds under the new pension flexible access drawdown rules....

> 7y11m

Pensions

Flexible Pension Access Financial Advice

Flexible Pension Access Financial Advice

You may be surprised if you contact your pension company when they say you cannot access flexible pension drawdown without financial advice, we explain why....

> 7y11m

Pensions

State Pension Top Up 2015

State Pension Top Up 2015

Video explains state pension top ups via voluntary national insurance contributions for those who reached state pension age at or before April 2015....

> 7y11m

Pensions

Flexible Pension Drawdown 2015 Introduction

Flexible Pension Drawdown 2015 Introduction

Video offers a simple introduction to the most common questions asked for new flexible pension drawdown access rules that started 2015....

> 7y11m

Pensions

Auto-Enrolment Workplace Pension 2 to 50 Employees

Auto-Enrolment Workplace Pension 2 to 50 Employees

Video and article explains workplace pension auto enrolment staging dates rules 2015, 2016 and 2017, as well as minimum payments for employee and employer, if you already have a ...

> 8y

Pensions

Auto Enrolment Pension Single Director Company

Auto Enrolment Pension Single Director Company

Video explains what one director, single employee companies must do to comply with auto-enrolment, work place pensions.Transcript: Auto Enrolment Pension Single Director Company“Hello there. Auto enrolment pensions for very ...

> 8y

Business

Is Paying Financial Adviser From Pension Taxable

Is Paying Financial Adviser From Pension Taxable

Video answer: Is paying financial adviser directly from my pension fund or investment taxable to me? Will I pay income tax when adviser fee paid from policy charges? Transcript: Is ...

> 8y

Pensions

Pension Saves Inheritance Tax

Pension Saves Inheritance Tax

Video looks at how pensions can be an excellent inheritance tax planning and may be now one of your main tools to reduce inheritance tax.Transcript:“Hello there. Pensions as an ...

> 8y1m

Pensions

Cash in Annuity

Cash in Annuity

Video looks at the consultation to allow people to cash in their pension annuity which may become law soon.Transcript:“Hello there. An introduction to a subject for you: cashing in ...

> 8y1m

Pensions

Find Lost Pension

Find Lost Pension

Video looks at older pensions that you have lost touch with if you have moved, changed name or the pension has moved, changed its name etc. and how to ...

> 8y1m

Pensions

10 Reasons to Pay Into A Pension

10 Reasons to Pay Into A Pension

Video offers 10 simple reasons as to why you should save and invest money in a pension scheme for the various tax relief benefits and other reasons that you ...

> 8y1m

Advice Tips

Voluntary National Insurance Contributions

Voluntary National Insurance Contributions

Video explores Voluntary National Insurance Contributions if you have a shortfall due to not working or working or living overseas as an expat. To protect and make up any ...

> 8y2m

Pensions

Retirement Cash Flow Model

Retirement Cash Flow Model

Video explores the concept of planning for retirement and later life using cash flow models and cash flow modelling techniques to ensure you have enough money to see you ...

> 8y3m

Pensions

Buy to Let v Flexible Pension Drawdown

Buy to Let v Flexible Pension Drawdown

Video explores the tax differences between a flexible pension and a buy to let investment property and whether you should release tax free lump sums and income to buy ...

> 8y3m

Property

Autumn Statement Tax Free Annuity on Death

Autumn Statement Tax Free Annuity on Death

Video explains Chancellor George Osborne’s Autumn Statement December 2014 and paying a tax free pension annuity to spouse on death before age 75....

> 8y3m

Politics & Economy

What To Do When Retiring Soon

What To Do When Retiring Soon

Video offers action tips if you are retiring soon for state pension, winter fuel, tax codes and dealing with HMRC and DWP.Transcript:“Hello there, so you're about to retire. What ...

> 8y3m

Advice Tips

Pension Annuity v Flexible Drawdown 2015

Pension Annuity v Flexible Drawdown 2015

Video compares buying an annuity with your pension against the new pension flexible drawdown rules April 2015. Low risk or high risk? Think about your retirement options.Transcript:“Hello again, wooo! ...

> 8y3m

Pensions

Increase State Pension up to 25 pounds pw

Increase State Pension up to 25 pounds pw

Video explains the projected costs for increasing your state pension by up to £25 per week between April 2014 and April 2016 for those that reach or have already ...

> 8y4m

Pensions

Salary Sacrifice Pension Advantages Disadvantages

Salary Sacrifice Pension Advantages Disadvantages

Video explains the advantages and disadvantages of salary sacrifice in connection with pension contributions.Transcript:“Hello there. The subject for this video is salary sacrifice. What is salary sacrifice?Firstly let me ...

> 8y4m

Pensions

Qualifying Recognised Overseas Pension Scheme QROPS

Qualifying Recognised Overseas Pension Scheme QROPS

Video explains the basics of international pension transfers from a UK pension to an overseas QROPS Qualifying Recognised Overseas Pension Scheme.Transcript:“Hello again. Subject for the video today is QROPS. ...

> 8y4m

Pensions

Use Pension As A Bank Account

Use Pension As A Bank Account

Video explains how to use your flexible pension drawdown just like a bank account with part tax free 'income' and part taxable income.Transcript:“Hello there, today's date is 14 October. ...

> 8y5m

Pensions

Purchased Life Annuity

Purchased Life Annuity

Video explains the alternative investment for income and the tax advantages of a purchased life annuity that are available from specialist insurers.Transcript“Hello again, today my video topic is purchased ...

> 8y5m

Investment

Financial Advice v Pension Guidance

Financial Advice v Pension Guidance

Video explains financial advice versus financial and pension guidance, following the Budget 2014 where Government confirmed it would arrange for free pension guidance. We explain the difference between advice ...

> 8y5m

Advice Tips

What Happens To Pension on Death April 2015

What Happens To Pension on Death April 2015

What Happens To Pension on Death from April 2015? How Your Pension Fund Paid Is Out To Spouse/Dependants on Death Transcript:"Hello there. Right, so pension death benefits. There’s a ...

> 8y5m

Pensions

What is an Annuity

What is an Annuity

What is an Annuity - Explanation of annuities and basic options at retirement"Hi there, today’s subject annuities, what’s an annuity, everybody talks about them, nobody really knows what they ...

> 8y5m

Pensions

How Much I Should Save For Pension

How Much I Should Save For Pension

How Much I Should Save For Pension - Help with working out how much should you save for your pension."Hello again, today the subject is pensions and the one ...

> 8y5m

Pensions

Pension Performance

Pension Performance

Transcript."Hello there Ashley Clark again here and er today I am going to talk to you about how to get a much much bigger pension and an example is ...

> 8y5m

Pensions

Collective Defined Contribution CDC Pension

Collective Defined Contribution CDC Pension

Video explains Government's proposed Collective Defined Contribution CDC Pension which are based upon Dutch pensions and a half way house between final salary schemes and investment/money purchase linked pensions.Transcript"Hello ...

> 8y5m

Pensions

Transfer Window for Higher Protected Pension Lump Sums

Transfer Window for Higher Protected Pension Lump Sums

Video explains the window that is open before April 2015 to transfer pensions with a protected higher tax free cash lump sum to a new pension.Transcript"Hey there, subject for ...

> 8y5m

Pensions

10000 Annual Pension Allowance Flexible Drawdown

10000 Annual Pension Allowance Flexible Drawdown

Video explains the different annual pension contribution allowances for those with Capped and Flexible Drawdown before and after April 2015...

> 8y5m

Pensions

Change to Pension Credit Ages

Change to Pension Credit Ages

Video explains the impact of the changes to state pensions and how this affects pension credit and ages when you can receive pension credit help...

> 8y6m

Pensions

GMP Underpin Company Pension

GMP Underpin Company Pension

Video explains the basics of an investment linked company pension plan with Guaranteed Minimum Pension GMP underpin...

> 8y6m

Pensions

AVC Tax Free Cash Augmentation

AVC Tax Free Cash Augmentation

Video explains the benefits of using AVC's for tax free cash to leave more in the main pension scheme for higher income...

> 8y7m

Pensions

Pension Tax Relief University Fees

Pension Tax Relief University Fees

Video explains the idea of paying into pensions, get tax relief, use flexible drawdown to pay university fees...

> 8y7m

Advice Tips

Pension Lifetime Allowance

Pension Lifetime Allowance

Updated August 2014. An introduction to the pension lifetime allowance, what it is, how calculated and the tax charge if you exceed it....

> 8y7m

Pensions

Pension Annual Allowance

Pension Annual Allowance

Updated August 2014. Pension Annual Allowance and annual allowance tax charge explained, for more on using your allowances speak to us...

> 8y7m

Pensions

Pension Drawdown

Pension Drawdown

Updated 13/08/14. An introduction into pension drawdown, planning early can get you a better pension resulting in a happier retirement...

> 8y7m

Pensions

Carry Forward Pension Tax Relief Allowance

Carry Forward Pension Tax Relief Allowance

Video updated August 2014. The ability to carry forward unused pension annual allowance for tax relief by up to three years...

> 8y7m

Pensions

Company Life Insurance and Lifetime Allowance

Company Life Insurance and Lifetime Allowance

Video explains the impact of death in service cover life insurance on the lifetime allowance. Some schemes can create a huge tax charge on your early death....

> 8y7m

Pensions

Pension Annuity Flexible Proposals 2014

Pension Annuity Flexible Proposals 2014

Video news giving details of proposals to make pension annuity more flexible by relaxing 3 rules...

> 8y7m

Pensions

Early Retirement Age Change 55 to 57

Early Retirement Age Change 55 to 57

Video news on the proposal that Government are consulting on a change to early retirement age from 55 to 57...

> 8y7m

Pensions

High Income How To Get Personal Allowance Back

High Income How To Get Personal Allowance Back

This video will explain how to get your personal allowance back if you have high earner income and have lost it...

> 8y8m

Pensions

What Happens to Private Pension on Death

What Happens to Private Pension on Death

Video to explain what happens to private pensions and personal pensions on death...

> 8y8m

Pensions

Future or End of State Pensions

Future or End of State Pensions

Video analysing the small print of the Queen's Speech 2014 - does this spell the future or the end of State Pensions as we know them?...

> 8y9m

Pensions

Postpone Pension Until 2015

Postpone Pension Until 2015

Video on whether or not you should postpone pension and annuity decision until flexible drawdown starts for all in April 2015...

> 8y9m

Pensions

Teachers Pension Spouse Benefit Shortfall

Teachers Pension Spouse Benefit Shortfall

A short video focusing on the Teachers pension scheme and a shortfall in spouse benefits if you were a teacher in the 70's and 80's...

> 8y10m

Pensions

Can I Change My Annuity

Can I Change My Annuity

Video explaining whether you can change, amend or cash in your pension annuity. You can only change your annuity or change your mind at the application stage known as ...

> 8y10m

Pensions

Can I Cash My Pension Early

Can I Cash My Pension Early

The earliest your can access your pension fund is age 55....

> 8y10m

Pensions

Spousal Bypass Trust

Spousal Bypass Trust

A spousal bypass trust will allow the pension fund to be put into a discretionary trust when you die bypassing your spouse and reducing the inheritance tax bill.Your spouse ...

> 8y10m

Pensions

Expat New Drawdown Rules

Expat New Drawdown Rules

New rules coming in 2015 will allow people to drawdown as much as they want on retirement with no requirement to buy an annuity.If you have a UK based ...

> 8y10m

Pensions

Divorce Pension Sharing Overseas

Divorce Pension Sharing Overseas

If for some reason pension assets cannot be divided then a pension share order may be issued and the divorcing parties will share a pension.The United Kingdom has no ...

> 8y10m

Pensions

Retirement Pension Options

Retirement Pension Options

When you are receiving a pension on annuity think of an annuity as an employer where you receive a payslip every month and then a P60 at the end ...

> 8y11m

Pensions

Advanced SIPP Planning

Advanced SIPP Planning

Using self-invested personal pension facilities to select and review individual stocks and shares can greatly reduce fees. This is because you are not paying a company to review the ...

> 8y11m

Insurance

Additional State Pension Top Up

Additional State Pension Top Up

The new flat rate state pension will start in 2016.Assuming your have done 35 National Insurance Credits the rate will start at £144, but you will lose any previous ...

> 8y11m

Pensions

Projection Illustration Changes

Projection Illustration Changes

New rules are being changed for projection illustrations.Under the new rules the rates you see on your projections will be reduced.The projections for pensions will also now include adjustments ...

> 9y

Pensions

Buying Company Shares With Your Pension

Buying Company Shares With Your Pension

Company pension funds can use a maximum of 20% to buy shares in multiple companies that you own. However, they are only allowed to own a maximum of 5% ...

> 9y1m

Pensions

Pension Fund Loans

Pension Fund Loans

A pension fund can lend up to 50% of its current value to a sponsoring business/employer.Must be a secured loan, the security must be immovable tangible assets.Must be done ...

> 9y1m

Pensions

Pensions For Directors

Pensions For Directors

With a director’s pension contribution it is not a benefit in kind, it does not create any national insurance liability for you and it does not create any national ...

> 9y1m

Pensions

Postponing Your State Pension

Postponing Your State Pension

The government offers an increase of 1% for every 5 weeks you postpone your pension. They will also add interest meaning a combined overall incentive of 10.4%pa.You can choose ...

> 9y1m

Pensions

2014 Lifetime Allowance Protection

2014 Lifetime Allowance Protection

The current lifetime allowance is £1.5m, in April 2014 this will fall to £1.25m.There are ways to protect yourself.Fixed protection – Use if you are already at or above ...

> 9y1m

Pensions

Buying Property With Your Pension

Buying Property With Your Pension

A pension fund is allowed to purchase commercial property.Your pension fund is not allowed to purchase residential property.A pension fund used to be able to buy commercial assets such ...

> 9y3m

Property

Our Pension Service

Our Pension Service

Our pension service takes all the stress away from you, by you giving us permission to manage your pensions.We will go and speak to all of your pension providers ...

> 9y4m

Pensions

Our Annuity Service

Our Annuity Service

We offer an annuity advice service where we take a look at your pensions and see how much you are likely to receive, and then we will compare that ...

> 9y4m

Pensions

State Benefits Affected By Pension

State Benefits Affected By Pension

State benefits fall into two categories - Means Tested Benefits- Non Means Tested BenefitsTaking your pension early when receiving non means tested benefits should not to affect your state benefits.Taking your ...

> 9y4m

Pensions

Get A State Pension Forecast

Get A State Pension Forecast

Our state pension is based upon our national insurance contributions.In certain circumstances if you are not working and receiving benefits then you are also receiving state pension contributions.You need ...

> 9y5m

Pensions

Lifetime Allowance 2014

Lifetime Allowance 2014

Plan for your lifetime allowance and you could avoid a tax penalty. Protecting your pension contributions can save you money....

> 9y6m

Pensions

Annual Allowance 2014

Annual Allowance 2014

Your annual allowance is the maximum contributions you can make to your pension. Knowing the limit of this can often save you from getting tax charges....

> 9y6m

Pensions

Guaranteed Annuity

Guaranteed Annuity

Hear the benefits of an guaranteed annuity. Speak to an adviser today and see which annuity is the best for you....

> 9y6m

Pensions

Enhanced Annuity

Enhanced Annuity

Enhanced Annuity - What is an enhanced annuity? How do I get an enhanced annuity?...

> 9y6m

Pensions

Pension Drawdown Risk

Pension Drawdown Risk

Is pension drawdown high risk or low risk when retiring...

> 9y6m

Pensions

Pension Tax Relief

Pension Tax Relief

Pension Tax Relief explained for basic rate and higher rate taxpayers as well as company pensions...

> 9y6m

Pensions

Pensions Nest Automatic Enrolment in pensions 2012 to 2017, 2012 marked the start for employers automatically enrolling and paying into pension schemes for employees...

> 9y6m

Pensions

Consolidate Pension

Consolidate Pension

Should you consolidate your pensions, award winning pension analysis for pension consolidation and transfer...

> 9y6m

Pensions

Pension Sharing

Pension Sharing

Pension sharing on divorce explained from award winning pension advisers...

> 9y6m

Pensions

Pension Cash Release

Pension Cash Release

Release cash from your pension fund with award winning pension advice...

> 9y6m

Pensions

Help with clearing up the complex rules and schemes for executive pension plans (EPP). These are complex pensions and we suggest seeking advice before choosing an EPP scheme....

> 9y6m

Pensions

Annuity Contracts

Annuity Contracts

Chartered Financial Planner Ashley Clark helps clear up the complex world around Retirement Annuity Contracts, there can be multiple choices in this retirement scheme and selecting the right one ...

> 9y6m

Pensions

Pension Liberation

Pension Liberation

Pension liberation has been in the news quite a lot lately and so we thought it was time that we gave a little explanation as to what these schemes ...

> 9y6m

Pensions

Putting off your pension can have consequences in the future. Retirement planning can see your retirement a happy and secure one. ...

> 9y6m

Pensions

What is Joint Life Annuity

What is Joint Life Annuity

Our annuity advice has helped many people get the right benefits for them and their family. Speak to an adviser and see if your retirement decision is the best ...

> 9y6m

Pensions

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