Pension Specialists

Our dedicated department will work with you to ensure you make the most use of your opportunities - especially in the run up to the many changes to be implemented from April 2006. We take a fully independent viewpoint with no bias to any company or product.

PENSION ANALYSIS AND REVIEW

You may have a number of pension plans from different jobs and periods of employment/self-employment from throughout your working life. We offer a fully independent research and analysis of your existing pension plans. Is your pension plan working hard for you? Is it in the right place? Should it be transferred to a more suitable arrangement? We will: Review performance and charges Recommend an investment strategy to meet your attitude to risk Complete projections of fund value to monitor along with your expectation of what you will receive in retirement.

SELF-INVESTED PERSONAL PENSION PLANS (SIPPs)

For the more sophisticated investor, increasing in popularity is the availability where you, the investor, can control both the type and timing of asset purchase in your pension fund by selecting a wide range of assets to suit your investment preference and risk attitude. Build up your own personal portfolio. Options include: Commercial property Unit/investment trusts, stocks and shares, cash and other 'liquid' investments Control the timing of purchase and sale to meet with your requirements.

PENSIONS AND DIVORCE

Advice given regarding how best to build up pension funds following divorce including how to invest any pension credit awarded. Pension share court order Earmarking of pension funds Offset of pension funds.