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Pension Planning

No other investment provides you with tax relief at your highest rate on contributions.

A growing number of us are living longer and our needs in retirement are likely to be greater, so planning in this area is essential.

You may have pension arrangements from previous employment or you may wish to take advantage of the new generous funding limits.

Perhaps you have received confusing information on the effects of "A" day and Lifetime Allowance?

Either way, we can guide you through the pensions maze and help you to find the most appropriate style of pension arrangement for you.

For example:-

• Self Invested Pension Plan (SIPP)

• Small Self Administered Scheme (SSAS)

• Conventional insurance based scheme

When the time comes to generate income from your pension arrangements, you will be confronted by a number of options, typically:-

• Secured Pension - lifetime annuity/scheme pension

• Unsecured Pension

• Phased Retirement

Each route has its advantages and disadvantages and we are well placed to advise you on the most appropriate method.

The implications of the 2006 Pensions Act are far reaching and there has never been a more important time to take quality independent financial advice in respect of your pension planning.

Broughtons Financial Planning Ltd can help you to build up that important income in retirement; secure any pension funds that you have worked hard to acquire so far - and even assist with planning to pass some of your unused pensions monies to the next generation.