Pensions & retirement advice in Colchester, Essex

We are all living longer, so we need to ensure that we have enough money put aside to fund our lifestyle in retirement. We can no longer rely on the state to do this for us - the current state pension is £95.25 per week for a single person; would you like to live on this amount. We provide specialist advice on all aspects of pensions and retirement planning. See below for more details.

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Pensions and retirement information

See below for financial factsheets on pensions and retirement.

• The state pension
  This factsheet gives all the information you need about the state pension scheme. Click here to download the factsheet.
  
  
• Personal pensions
  Personal pensions allow you to save money for retirement in a cheap and flexible way. Click here to download this factsheet.
  
  
• Pension transfers
  You can transfer benefits from one pension to another, perhaps to save on charges, consolidate administration or get better fund performance. Click here to find out how.
  
  
• Retirement decisions
  When you come to retirement, you need to make important decisions about how to structure your income. This leaflet explains more.
  
  
• Unsecured pensions
  One type of flexible pension allows you to take out a variable income while keeping the money invested. This leaflet explains the benefits as well as the risks of this type of product.
  
  
• Company stakeholder pensions
  This leaflet explains your rights to a stakeholder pension scheme if you are employed. Click here to download the factsheet.
  
  
• Pensions and divorce
  If you are getting divorced you need to be aware that pensions will form part of your assets in the settlement. This factsheet explains the process.
  
  
• Contracting out of the second state pension
  This leaflet explains the main aspects of this area. Click here for the factsheet.

• Self invested personal pensions (SIPPs)
  This leaflet explains how SIPPs can be valuable for those who wish to have more control over their retirement planning. Click here for the factsheet.
  
  
• ISA v Pension
  ISAs are popular ways of saving. This leaflet compares the advantages and disadvantages of both methods. Click here to view the leaflet.
  
  
• Releasing cash from your pension
  You can release cash from your pension scheme if you are over 50 (55 from April 2010). This leaflet explains more.
  
  
• Pension reform
  Employees will be required to pay in 4% of their salary to a company pension scheme from April 2012; employers will put in 3% and the Government 1%. This factsheet explains how this will work.

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Click here if you want to contact us for pensions advice.