We are specialists in the advice of Occupational pension transfers and hold the required qualifications and FCA authority to transact this type of business. This is a specialist area that many financial advisers cannot offer direct to clients with many outsourcing this to specialists like ourselves
With pension planning becoming more and more topical it is important that you receive the right advise for your retirement.
Pension freedom allows you choices you did not have in the past as you can now take your whole fund as a lump sum but in reality would you want to? The reason you have saved into a pension plan all these years hasn't changed. The way you can take your pension has, with the changes that came into effect in April 2015 need expert advice now more than ever.
At Gardner Massey Wright we have the experience and expertise to assist you in this most important area of financial planning, remember after buying your home it will probably be your most expensive purchase.
We can help you with the important decisions you have to make in planning for the future and also when you are approaching retirement.
We offer advise on;
Stakeholder and Personal Pensions
Options at Retirement
Transfers from other Schemes
Most people come to retirement and accept the pension (annuity) being offered by the company they have saved with, this can be a big mistake and could cost you thousands of pounds. At retirement you have the option to shop around for the best possible pension (annuity). This is called the open market option and we can do this for you.
Your occupational (works) pension is a great way to get a guaranteed and increasing income for life however we would strongly urge you to review this with a proffessional qualified financial adviser before you commit to any scheme. Once this has been discussed and analysed you may feel that there are better options for your situation.
We also find that without advise you could be making the wrong choices and once an annuity or occupational pension has been set up you cannot (in most cases) change it.
We Offer a free, no obligation pension review.
In 2012 the government introduced auto enrolment for all employees. This is in an effort to bridge the pensions gap and will result in all employers and employess ultimately contributing 8% (5% from the employee and 3% from the employer) of banded earnings towards a pension.
Please read our free guide below;
Gardner Massey Wright IFA Ltd
35 Market Street,
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Monday to Friday 9:00am to 5:00pm
Evenings and weekends by appointment