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Pensions are tax efficient investments, which do require expert advice and regular annual reviews with your adviser to ensure that your objectives are being met.
When your earned income ceases there is a clear need for you to replace this lost income without having to compromise on your standard of living.
All being well we should all have the new flat rate basic state pension of around £159.55 per week. However this will not be enough for a lot of clients.
You may be lucky to have company pension scheme in place which could provide you with a reasonable income.
Most people will have to use the bulk of their savings to fund their retirement.
Pensions remain one of the most efficient but at the same time most complex ways to save. We can now use a ‘pension wrapper’ to hold a portfolio of investments which is then sheltered from tax allowing these funds to grow extremely efficiently.
Recent changes in pensions legislation now means more flexibility and choice over how you decide to take your retirement income
Ginny has been thorough in establishing my personal circumstances and financial commitments and my attitude to risk. I would highly recommend her friendly, expert services.