Pensions

We arrange and give advice on regular contribution pension policies for those of our clients wishing to save for their retirement.

Personal and Stakeholder Pensions

Personal Pensions represent a popular and attractive way of saving for your retirement.

All monies invested into your fund grow free of capital gains tax, and the contributions you make are enhanced by income tax relief at source. For example if you invest £80, the government adds on tax relief (currently 20%) to enhance your contribution to £100! If you are a higher rate taxpayer you can claim additional relief through your pay coding. Special rules apply though to those with high income in excess of £130,000 p.a. Please contact us for further details.

A personal pension is an arrangement made in your name over which you have personal control. You can alter your contributions, suspend them, or stop them completely.
You will be eligible to take 25% of your accumulated fund tax-free when you retire, from age 55. There are a range of options when you decide to take benefits whether before or after age 75.

Personal Pensions usually offer a range of investment mediums to suit your attitude to investment risk, and you can change your investment at any time.

Stakeholder pensions are similar to personal pensions but have their charges capped at 1.5% for the first 10 years reducing to 1% thereafter. Whilst Stakeholders are generally considered a little cheaper than Personal Pensions, investment choices may be restricted.

QROPS

For our clients that are moving to a new country, they can also transfer their UK pensions with them. We only use reputable companies and jurisdictions that speak English. You may be able to purchase a property with funds and benefit from the funds before retirement.

Take control of your Pension.^*25% Tax Free cash. Access to additional sums to invest as you please. Eg.. Overseas property, business: Protect yourself from all forms of tax. Ex patriates? Did you leave behind a UK frozen pension? Access your pension funds and get on with your life now. . What ever your age and circumstances we can help you!. Contact us now to secure your benefits. Please contact us for further details.

*Correct at time of print.  Regulations in Uk changing.  Act now to secure your rights.