Pensions
Expert retirement planning and pension advice are invaluable for those who wish to ensure that they can live comfortably in their later years.
Live the life you want now and for your future
Putting money aside for your future doesn’t mean that you have to sacrifice the way that you live today. With careful and expert planning, you can live everyday how you want to.
Our team of pension experts are on hand to give you the best advice based on what you want to achieve in your retirement years, the lifestyle you want during the pre-retirement phase and your wishes for your family too.
There are three really important factors to pensions. One is to know how much you need to put aside. The second is to know where to invest your money. And finally, you need to know how you will convert these saving into a retirement income. If you get any one of these elements wrong, your future plans may never materialise.
We’re here to make sure that you make all the right decisions when it comes to your retirement.
If you would like unbiased financial advice about lifelong planning for retirement, please contact us on 01270 626555.
How we structure your plan
At the very beginning we’ll ask you lots of questions to get to you know. This is your money, your retirement, your life and we’ll advise according to your wishes.
For your peace of mind, we have in depth knowledge of the Pensions Freedoms legislation that was introduced in April 2015. You can leave all the complexities to us.
We’ll tailor your plan depending on the following:
– When you wish to purchase an annuity (this is a guaranteed level of income for life)
– Whether you want to take a tax-free lump sum
– Whether to leave your pension assets invested and draw an income from them
– How you plan your retirement fund to fit in with your other savings and sources of income
– Any changes to legislation
Investments
Pensions
Inheritance Tax/Trust
Life & Income Protection
The guidance and/ or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
© 2021 Applewood Independent. Registered in England No. 03565805. Applewood Independent Ltd is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate taxation and trust advice. We are entered on the FCA's Financial Services Register No 602237 at: www.fca.org.uk/firms/systems-reporting/register. The value of your investment can go down as well as up and you may not get back the full amount invested.
If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available upon request. If you wish to register a complaint, please contact us either in writing, by telephone or email.
Please be assured we treat complaints seriously. For your protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details - www.financial-ombudsman.org.uk.
The Money Advice Service - www.moneyadviceservice.org.uk.
