Pensions

As independent financial advisers, we will be able to review your pension requirements and steer you through this sometimes complex subject and find the right balance for you, by looking at your retirement savings and your entire financial circumstances together.

There have been significant changes in pension legislation over the last few years. This has given many pension policyholders much more flexibility in terms of the amounts of money they can invest in a pension and the areas that they can invest their money in.

At Active Finance Works we realise that for many people their pension fund can be their largest asset. With increasing reliance on the private sector it is essential that clients receive the very best advice when it comes to their pensions.

The areas that we can currently offer advice on are as follows:-

• Personal Pensions
• Stakeholder Pensions
• Personal Pension Transfers
• Group Pension Schemes
• Executive Pension Schemes
• Self Invested Pension Schemes (SIPPS)

As part of our service we will review your existing pension schemes and provide you with a report that will analyse the past performance of your pension funds as well as assessing the charges on your plan plus any other benefits that the plan might offer.

Retirement

You've worked hard all of your life and have finally reached retirement. The decisions that you make at retirement can effect your standard of living for the rest of your life. We can help you to make the right decisions at the time for your future requirements.

Some of the areas that we will advise you on at retirement are as follows:-

• How to take your Pension benefits at retirement
• Annuites
• Income Withdrawal Plans (unsecured pension)
• Investing a lump sum of money for either capital growth or income
• Alternative Secured Pension (ASP)