Pension & Retirement Options

It’s important to plan ahead for your retirement. Here, we explain why pension planning is so critical, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.

It can be difficult to understand your options at retirement. In this section, we have explained some common retirement options in plain simple language. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.

What is a Personal Pension?

Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.

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How Personal Pensions work

The basic idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you have several options which are usually designed to replace some (or all) of your employment income.

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The Value of Retirement Planning

We all know it’s important to plan for retirement, but many of us are still not planning well, or early enough.

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Your Retirement Options

On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your pension savings and the options you have in retirement.

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Enhanced Annuities

An Enhanced Annuity pays a higher income in retirement if you have a medical condition that may reduce your life expectancy.

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Income Drawdown

Income Drawdown is a more flexible alternative to the traditional annuity route, offering greater choice and control for many people.

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Pensions – Divorce

With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.

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Automatic Enrolment for Employees

A workplace pension is a way of saving for retirement arranged by an individual’s employer. Automatic enrolment into a workplace pension is an easy, hassle-free way for workers to save for their retirement while they are earning.

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Automatic Enrolment for Employers

The government has introduced a new law designed to help people save more for their retirement. It requires all employers to enrol eligible workers into a workplace pension scheme if they are not already in one.

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