MY PROMISE:
“I WILL FULLY ANALYSE YOUR EXISTING PENSIONS BENEFITS TO ENSURE A TRANSFER IS ADVANTAGEOUS”
I have years of experience dealing with all types of pension transfers and being completely Independent means you’ll always receive the best advice.
There are many areas of financial advice, but I focus my area of expertise in pensions. With the continued tinkering by successive governments and regulation, there are an unquantifiable amount of schemes, each with their separate rules.
Transferring a pension is a decision which could have big financial implication if done incorrectly. My commitment is to fully understand your existing schemes, situation and your future plans, only then will I make a recommendation to either transfer, or if more appropriate, stay within the scheme.
The recent pension reforms have seen an increase in people wanting to move to Income Drawdown.
Pensions with safeguarded benefit such as final salary schemes are unable to take advantage of the flexibilities now available under Income Drawdown or Flexi-access drawdown, as it’s known. If you’re considering drawdown and need a pension transfer specialist to help you move your pension, lets have a chat. I have put together a useful site which highlights the features and costs of some popular Income drawdown schemes.
Regulation stipulates that in order to transfer a pension with safeguarded benefits, you need to seek advice from a suitably qualified pensions adviser.
The pension transfer qualifications are in additional to those required to be a qualified financial adviser. I have many years experience in ensuring my clients receive the best outcome.
MY PRACTICE AREAS
Final Salary
Occupational schemes based on your salary and length of employment.
Defined Benefit
Occupational scheme where you pension income benefits are know and not reliant on stock market performance.
Guaranteed Minimum Pension (GMP)
Contracted out, salary related pension benefit.
Guaranteed Annuity Rates (GAR)
Schemes offering a guaranteed income rate, irrespective of current market annuity rates.
Occupational Money Purchase
Occupational schemes with a varying fund value.
Guaranteed Level of Income
e.g. Under a Retirement Annuity Contact (RAC) or deferred annuity
Section 9 2 (b) Rights
i.e. contracted out pension service post 1997 under a scheme that contracts out on the Reference Scheme Test basis
Consolidation
Transferring many pension schemes into a new more cost effective and flexible plan.
WHAT SAY MY CLIENTS:
My BLOG & CASE STUDIES
Blog
I welcome the move from the Financial Conduct Authority (FCA) to publish a video helping…
Since the dawn of pension freedoms and the ability for those in defined benefit schemes…
Guaranteed Minimum Pensions (GMP) came about when employees opted their employers out of the State…
Case Studies
I received a contact request through this website for a man who had just received…
I was approached by a client who had a Defined Benefit Scheme from employment many…
A client approached me with a defined benefit scheme from a previous employer. He was…
A client approached me with a small Defined Benefit scheme he had forgotten about. He…
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