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I KEYMAN ASSURANCE I STAKEHOLDER PENSIONS | GROUP SCHEME I ENQUIRY FORM I


Independent Financial planning advice for:
Pensions - "an expert, impartial service to guide you through the pension maze"

Pension Planning - Creating financial independence for your retirement

Consider these issues:

  • A pension plan is one of the most important decisions of your life - independent financial advice is crucial.
  • Fund performance varies dramatically from company to company. Investment in the wrong fund could lose you up to one third of your retirement income.
  • If you're 30 and you put off your pension planning by 10 years, you'll lose half your eventual retirement fund!!
  • The average income for retired couples today is a fifth below what is required. The State pension is forecast to decline even more.

Worried? Take action - CONTACT US to arrange a FREE PENSIONS AUDIT

Aitchison & Colegrave analyse all pension plans available in terms of investment performance, flexibility of contract design, administration charges and each company's financial strength and pedigree.

Pension plans are now regarded as more flexible than in the past and individuals can now benefit from far greater control. We believe that a pension plan should be regarded as a flexible tax planning tool rather than merely a method of providing retirement benefits. If properly structured, this can achieve:-

  • Full tax relief on the amounts you invest.
  • Enhanced investment benefits as the fund accrues virtually free of tax on both income and capital gains.
  • A substantial tax free capital sum on retirement, together with a valuable lifetime income.
  • Creation of a substantial tax free fund payable to your heirs in the event of death, free of income tax, capital gains tax and inheritance tax.

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  • Flexible Pensions - it is now possible to draw down pension benefits at any age from 50, in a flexible, controlled and tax efficient manner without having to buy an annuity.

Interested? Check your PENSION FUNDING SHORTFALL out with our PENSION CALCULATOR.