PENSIONS & RETIREMENT PLANNING

When it comes to providing for our retirment, too many people are doing too little too late. Putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire. The golden rule for most people, is to not rely on the State alone. Modern pensions benefit from some very exceptional tax breaks, and nowadays, you can even contribute to your pension when you don't work!

Today there are a number of tax efficient ways of providing for a comfortable retirement. The area is complex and choosing the right vehicle requires a detailed understanding of your circumstances, tax status, employment status and more.

• Stakeholder pension
• Personal Pension
• Group Personal pension
• Executive Personal pension
• Employers Schemes
• Self Invested Personal pension
• Small Admnistered Schemes
  

If you would like a 'no obligation' chat about your pension aspirations or concerns, call us on 01905 612944.

Retirement Planning

This is all about knowing how to maximise the income from your pension arrangements and other assets, whilst taking into consideraion tax efficieny, inheritance tax, your beneficiaries, flexibility and of course control. F P Consulting Ltd can provide detailed advice following a thorough finanical review. Some tools of retirement planning include:

• Annuities

• Phased retirement

• Income drawdown

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