Independent financial advice
in Nottingham & the East Midlands

The quality of the investments within your pension is important, because the final amount that you have in your pension pot, to produce an income for you when you want to retire, will depend greatly on the investment decisions you make and the performance you achieve, during the years of accumulation.

The media constantly tries to portray that the 'charges' are the most important aspect of what your fund will be in retirement, whilst there is some truth to that, what they do not get across well enough, is that it is actually the returns that you get that will make the biggest difference to your retirement income, and that it is you, not the provider, who is responsible for those decisions.

Many of us accumulate a number of pension funds over the years which become difficult to keep track of, to manage and to understand what income you can expect to have from them when you reach retirement.

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If you are a UK taxpayer, in the tax year 2017-18 the standard rule is that you will get tax relief on pension contributions of up to 100% of your earnings or a £40,000 annual allowance, whichever is lower.

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When we get our pension statements they make no real sense – the cynical might say it is an intentional ploy by the industry to confuse us! Let us make it easier for you.

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It is important that you and your pension adviser regularly review your pension plans to ensure that, in a changing marketplace, you are appropriately and most effectively invested. 

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When you retire, if you have a defined contributions pension, you will need to decide if you are going to purchase an annuity with your pension savings or go into drawdown. 

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From 6 April 2015 the rules relating to defined contribution pension arrangements relaxed, from age 55 an individual is given unlimited access to their defined contribution pension funds and can withdraw as much or as little as they like.

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If you are going through a divorce and looking for financial advice from an IFA, an Independent Financial Adviser about pensions and pension sharing on divorce or your investments contact us.

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From April 2016 the amount of tax relief on pension contributions will be gradually reduced, by reducing the annual allowance from £40,000 to £10,000 for those individuals with an ‘adjusted income’ of over £150,000 and who have an income (excluding pension contributions) in excess of £110,000.

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An annuity is a product which pays a regular income in exchange for a lump sum.  An Annuitant is a person receiving the annuity. Here we explain the different types of annuities that are currently available in the marketplace. The option you choose is very much dependent on your own circumstances.

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It is important to understand pension death benefits. These are paid as a lump sum or drawdown pension to any beneficiary if death occurs before the age of 75.  

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The main reasons for having a SIPP (Self-Invested Personal Pension) or an SSAS (Small Self-Administered Scheme) pension is to place an investment property into the pension (or to invest directly in shares).  

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Are you confused by your pension statement? It can be difficult to understand so we provide you with a simplified annual report which translates your pension statement so that you understand what it is doing for you.

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The sooner you make the decision to start contributing to your pension, the greater your income in retirement will be.  Here why explain why this is important.

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We believe it is very important that you fully understand all details about your pension. We pull key facts together and run through these with you as shown in the example below.

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Individuals will receive tax relief at their highest tax band rate (i.e. 20%, 40% or 45%) on all contributions within the annual allowance.

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Here is some information about the New State Pension, who is eligible and how much they will receive. We have included some examples to help you out.

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The number of people we meet as advisers who don’t understand opting out is incredible. Not that it is complicated to understand – it is just that no one bothered to explain it to us!

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The amount an individual can contribute to a pension fund is between £3,600 and up to the amount of their earnings within the current tax year, but not more than £40,000 which is called the annual allowance.

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The standard lifetime tax-free allowance in 2015/16 is £1.25 million. Any lump sums or income is taken from your penion(s) will be taxed on the excess amount over the lifetime amount taken.

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Individuals who have pension savings of greater than £1.25 million on 5 April 2014 can apply for individual protection 2014. Here we tell you more about how this works.

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Salary sacrifice is offered by some employers so their employees can receive increased pension scheme contributions.  It's not an effective way of saving for everyone so, if your employer offers salary sacrifice, you should make sure you benefit before signing up.

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There are certain risks associated with pensions. We point out some of the major risks below which we would urge you to consider seriously before committing yourself to a pension.

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