• Tel: 01485 541998 / 0207 7696750

Pension Planning, Transfers, Pensions in Divorce and Retirement Solutions

We can advise on all aspects of pension planning whether it be building funds for retirement, protecting your accrued pensions, sharing pensions or accessing your benefits in retirement. We will also advice and explain more complex areas such as HMRC protections, annual allowance, tapering and the lifetime allowance.

PERSONAL PENSIONS

We advise on a range of solutions when it comes to pension planning, the most straight-forward of these solutions is personal pensions. Through our investment process we will find the most suitable provider for you based on your needs, objectives and attitude to risk.

SIPP & SSAS ARRANGEMENTS

SIPP’s or “Self-Invested Personal Pension” and SSAS’s “Small Self-Administered Schemes” are usually aimed at business owners who want to make their own investment decisions and have more options when it comes to physically investing. SSAS’s also have the ability to loan money (up to specified rates) back to its sponsoring employer.

Both arrangements provide the ability to purchase commercial property for those investors who prefer property to stocks & shares based investments. For a Business that already owns commercial property there are significant tax advantages to holding this within a pension.

PENSION TRANSFERS

Allen Tomas & Co are also pension transfer specialists and hold the necessary permissions to advise on the suitability of transferring funded final salary/defined benefit schemes and pension schemes with safeguarded benefits. This is a high risk area of financial advice which requires specialist knowledge and expertise.

PENSIONS & DIVORCE

As we are pension transfer specialists it allows us to research and recommend internal/external occupational transfers. We can also help you with the following:

  • Protecting maintenance payments
  • Investment planning as a result of legacy, divorce of other means
  • Ensure that the instruction letter with authority is undertaken properly and asks the relevant questions
  • Help you decipher the actuarial report and show you what the outcomes means financially now and in the future
  • Research the most appropriate pension scheme
  • Implement the solution if you are happy to proceed with our recommendations

AT RETIREMENT

There are many solutions at retirement which can include taking an annuity, drawdown, cashing in your whole pot or phasing. We specialise in this area and will research and recommend the most suitable option for you. We recommend you visit the Pensions Advisory Service site to understand your options.

For more information on your pension details, taking your pension money, tax, and getting advice, illness and death, please visit www.pensionwise.gov.uk

The value of an investment can go down as well as up and you may not get back as much as you put in.

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