Pension Health Check
Looking forward to Retirement?

We may not all want to retire to a villa in Spain, for most, lazing around or simply enjoying the things we simply never had the time to do during our working lives will suffice.

Simply put, retirement should be seen as a time to enjoy
ourselves, but how can you be sure you will have sufficient
income to ensure this?

Due to the complexities of the pension market, few understand
(or even have the time to find out about) changes and forces
within the industry which shape all of our futures.

However, we are independent Financial Advisers and can offer
you unbiased and impartial advice to guide you through the retirement maze.

We can ensure that you have the most suitable contracts in place, as well as assessing what any current pension you may have will amount to when you retire and explain the options and choices available to you.

Retirement may seem a long way off, for others it may be
looming on the horizon, but by contacting us now for a pensions health check, we can make sure you are on course for a secure
and happy retirement.

(A pension is a long term investment. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation)

Pension Review
Is your pension planning up to date?

Having started saving for a pension, you have already realised that you cannot rely on the state alone and have taken the right steps to securing a better retirement for yourself.

However, it is important that you make arrangements to ensure it remains on track to meet your needs in retirement.

An annual review will allow you to know:

• The current value of your pension fund
• An idea of the potential benefits available at your selected retirement date
• How you can achieve the pension you need at retirement
• What percentage of your salary is represented and what
  this will be in retirement
• How contributions could be protected in the event of illness
  or injury

Retirement should be something you look forward to, so it is vital you regularly review your pension provisions to ensure they are on track to provide you with the retirement you are hoping for.

As a qualified pension adviser, I will be happy to provide the professional advice you need, so please contact me on the above telephone number for a no-nonsense and truly unbiased review
of your present position and future aspirations.

(A pension is a long term investment. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.)