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Pension Advice and Pension Planning for Individuals

Planning for retirement is a complex process, and therefore taking appropriate pension advice is imperative. At Pannone, our knowledge of the complex web of regulations enables us to develop pension advice strategies that will allow you to achieve your financial goals and is complemented by our absolute independence, which means that we can offer solutions from the whole of the market, rather than just one company.

We are able to offer expert pension advice in the following areas:

  • Reviewing your pension portfolio and giving advice on (potentially) consolidating and simplifying your pensions within one flexible pension wrapper.
    This advice may help to reduce charges, provide greater investment choice and pension flexibility, as well as ensuring death benefits are outside of your estate on death. There are many factors which need to be considered before transferring and therefore professional pension advice should be taken.

  • Advice on funding your pension
    The new legislation provides much greater flexibility on the level and timing of your pension contributions, which are fully relievable against your marginal rate of income tax. We can give advice on the structure of these payments to make the most of the available tax relief and also undertake modelling to ensure your pension can provide the income you require in retirement.

  • Advice on drawing pension benefits
    We can give advice to you on the most suitable and tax efficient method of taking an income and lump sum from your pension benefits.

  • Pension Investment Advice
    We will give investment advice on your pension assets, taking into account your attitude to risk, time to retirement and income objectives. This will dovetail with any advice we provide on your other investments that may be held outside of your pension.

  • Integrated estate planning and pension advice, provided in conjunction with our Probate Team
    Pension funds are deemed to be outside of your estate for inheritance tax purposes before benefits commence. They are therefore a major consideration when undertaking inheritance tax planning.

Call 0844 980 1430 now for a consultation with a Pannone Financial Services Adviser.