“I have some old pension benefits from previous employment but I’m not sure how much they are worth?”
“I have some old pension benefits from previous employment but I'm not sure how much they are worth.”
“I haven’t a clue what my various pensions will provide me in the way of retirement benefits.”
“When I retire I don’t want to have to worry about incomes coming in from three or four different sources.”
“I've simply lost track of all my previous pension entitlements.”
“I have no contact with my old pension scheme trustees and I think I may have lost the benefits.”
“What if my previous company was sold to a larger business, what would happen to my pension then?”
“Can I retire early as my health is poor?”
“I am getting divorced. How will this affect my pension?”
“The state pension is not enough for me to live on.”
“How will I afford to live in comfort when I retire?”
“I want to improve on my pension provision. How can I do this?”
“I know that if I die my pension will support my family but only if I complete 40 years of service.”
“Will future governments be able to afford to pay me a pension when I retire?”
“I don’t want to take my pension at 67, I want to take it when I decide.”
“In an ageing population it is becoming an increasing burden for governments to pay a reasonable State Pension.”
With the restrictions attaching to the receipt of State Pension benefits, it is important to make arrangements for retirement asap.
“I have heard of them but I'm not sure what benefits they can bring to me.”
“My business and business premises are my future pension.”
“I need to expand my business but the bank will not approve my loan application.”
“I have lost faith in Insurance Companies and would like to invest in my own choice of shares, investments and commercial property.”
“I have not made any contributions towards my retirement as everything I have has been invested in the business.”
“I am paying a significant sum in rent but have no ownership of the business assets.”
“The options are mind boggling - where do I start?”
“I have a number of financial resources to build an income in retirement – how do I pull it all together?”
“How do I setup an income from my assets?”
“I don’t want to pay more tax than I need to.”
“Inflation is a threat on my spend in the future – I am concerned my money won’t last.”
“I’m concerned if I die, that my wife/spouse/family can’t access the money.”
“I have heard of these options at retirement but I’m not sure what they mean.”
“I don’t want to lose my hard earned capital to an insurance company if I die early in retirement.”
“How can I make sure my wife/husband benefits from my pensions on my death?”
“I am not sure who the best insurance companies are.”
Our first task will be to identify each pension piece and understand how it works. We’ll then separate the elements and make sense of them, translating the jargon into plain language, so it can be easily understood. We will then visualise everything in a simple diagram and present it to you.
