On Retirement Advice Service

This service is appropriate if you want to consider the full range of retirement options.

In addition to the benefits of the Annuity Broking Service, you will benefit from:

·          Advice on conventional annuity optional benefits e.g. the provision and level of a partner’s pension. This personal service will help to ensure you buy only those options of value to you and your family.

·          Advice and recommendations encompassing all the products available, including With Profits Annuities, Investment- Linked Annuities, Drawdown pensions and other investment options.

·          Professional investment advice, including a tailor made portfolio of investments as appropriate to the product selected.

·          Ongoing reviews and advice in relation to investment-linked products. This is valuable as reviews are important in making sure your plans stay on track, or change to meet your own changing circumstances. We employ a dedicated review team to ensure that our clients are provided with a continuous service.

Research of your existing pensions:

We will request and collate all the information needed from your existing pension provider(s). This saves you from requesting, and as is often necessary, chasing, your existing pension provider for information. More importantly, it also means that we can ensure valuations and any benefit rules or options are accurately provided and interpreted.

This means we can advise on aspects that may be to your advantage. For example, we may identify that a change in pension regime type is possible, which could give you a higher tax-free lump sum and or income.

By researching your existing pensions, as well as the current market rates for conventional annuities, we will also advise you if you have access to a guaranteed annuity rate (GAR). GARs often provide a much higher income than current annuity rates.

Note: Commission based services do not include research of non-commission paying product providers.

  Next Service: Equity Release