Financial planning advice for:
expert, impartial service to guide you through the pension maze"
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.
action - CONTACT US to arrange a FREE
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
- 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.
- 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.
your PENSION FUNDING SHORTFALL out with our PENSION