Capital Ideas is a trading style of Financial Horizons Ltd. Financial Horizons Ltd is an appointed representative of Burns-Anderson Ltd, 27 Great George St, Bristol BS1 5QT, which is authorised and regulated by the Financial Services Authority. Burns-Anderson Ltd is entered on the FSA register (www.fsa.gov.uk/register) under reference 126191. The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA do not regulate some forms of mortgages or tax planning services.
Financial Horizons Ltd Registered Office 70 Victoria Road, Darlington, Co Durham DL1 5JG. Registered in England no. 07714109.
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Building up your pension
Maybe you already have your pension pot, and you want to make sure that those pension savings work hard until they’re needed and don’t get worn down by excessive charges.
We can help by reviewing your existing pension plans, looking at the effect of charges and checking on the success or failure of the existing pension investment funds. Taking account of your own risk profile, we give independent pensions advice, to help you to get the best out of your money for retirement.
Visit our sister site or Contact us to discuss your needs.
Or perhaps you haven’t started your pension savings yet. There are a lot of decisions to be made. How much to save? What income will you need when you retire? How do you decide on a pension plan? As independent financial advisors we can help you with financial advice that will help you towards a prosperous retirement.
Pensions can be a daunting topic, but our pension planning site has lots of information to help you. Or just contact us for further information
Getting income from your pension
It used to be so easy. Stop work - buy an annuity, for guaranteed income throughout your life. But pension annuities have their disadvantages. If you die, your capital may be lost – nothing for your heirs to inherit. And the income level may not be flexible. That suits some, but not others whose financial affairs may not be so straightforward.
At retirement you are likely to have the most money you have ever had or ever will have, and you have to make it last a lifetime.
As independent advisors, we will discuss your needs with you. We’ll discuss:
- What income do you need?
- When do you need the income?
- How can we help you to generate income tax efficiently?
- Can we keep capital available for your future needs?
- How do you provide for any dependents?
A combination of plans may be appropriate, mixing for example traditional lifetime annuities with phased release of tax free cash, and pension fund withdrawal. And don’t forget that your other assets may have a valuable role to play. Pensions should not be seen in isolation from your other finances.
Different combinations of plans suit different individuals. Browse our retirement income site for further information, or contact us so that we can help you.