Pensions

Since A Day on 6th April 2006 major legislative changes have come into force which affect pensions.

Our policy when advising on pensions is to treat them as another investment asset albeit a highly tax efficient one.  Primarily we give advice in the following areas:

• Pensions consolidation i.e. pension transfers and switches
• Lump sum pension investments
• Options on taking benefits at selected retirement age e.g. Income Drawdown, Phased Retirement, Phased Drawdown, annuity purchase and exercising the Open Market Option (OMO)
• Pension funds investment management
• Pension term assurance
• Use of pensions as tax efficient trusts as a tax planning tool
• Retirement planning

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