The value of pensions and the income they produce can fall as well as rise. You may get back less you invested.

Small Self Administered Schemes are not regulated by the Financial Conduct Authority

Tax Planning is not Regulated by the Financial Conduct Authority

Tax treatment varies according to individual circumstances and is subject to change.

Retirement planning is arguably one of the most important areas of financial planning and guidance on the most suitable options is crucial.

Astute Money Financial Planning Ltd advises on pensions and all other aspects of retirement planning, including the most tax efficient ways to invest, understanding the various options at retirement and managing income post retirement. Our retirement planning services include:

Building Pre Retirement Savings using:

• Personal Pension & Stakeholder Pension Plans
• Self Invested Personal Pensions (SIPP)
• Small Self Administered Pensions (SSAS)
• New Individual Savings Accounts (NISA)
• Making use of Tax Relief on Pensions

Post Retirement Advice can include:

• Basic Annuity as well as impaired health based 'Enhanced Annuities'
• Income Drawdown
• Phased Drawdown
• Flexible access to your pension fund

And also:

• Tidying up and consolidating old pension policies

Astute Money Financial Planning Ltd provides guidance on the range of options available, including income drawdown and phased retirement. Understanding the advantages and disadvantages of each option is key in order to create an appropriate solution that meets your objectives. From April 2015 the government introduced the most radical changes to pensions in almost a century. To better understand how these changes may impact your own pension arrangements please give us a call or send us an email.