Rather than just ask our clients the questions “How much would you need to retire on and at what age”, we prefer to ask our clients how they see their own retirement. It does lead to some colourful answers! However, we believe it is an important step in the planning process to visualise their own retirement.

Since April 2006 pension legislation has seen some radical changes, the bulk of which, we believe are extremely positive and, give people a real incentive to save for their futures. Pensions have come a long way from the dark days of commission riddled savings plans which were the subject of many mis-sold cases in the 80’s and 90’s.

Pensions today, are low charge, flexible and offer superb fund management.

As part of our planning process we would seek to use all available tax relief we can when formulating our clients retirement plans. This, coupled with the option of self investing and independent fund selection, puts our clients on the right road to achieve their own goals.

Whether you are just starting, want advice on your existing pensions or wish to consolidate we will advise you on all of your requirements.