Ernest Grant

Our pension experts can help you cut through the complexities, providing tailored independent advice, whether you are:

• Saving for retirement
• Considering your retirement options
• Already managing your income in retirement

The continued success of the automatic enrolment of UK workers into Workplace Pensions has changed the landscape of pension planning, but with this comes a nation of default investors with a severe lack of access to advice.

Pension products, active and deferred, often receive a lack of attention and investors rely on limited resources from which to make extremely important decisions.

It’s no wonder pensions are complex:

• Historic pension regimes
• Different types of pension product
• The state pension system
• Far reaching pension legislation
• Complex taxation considerations

You may just need reassurance that you’re making the best decisions, or help keeping track of multiple pension pots. Whatever your circumstances, we can provide well-informed tailored solutions, aligned to help you achieve your goals and objectives.

The at-retirement landscape was revolutionised following a new raft of ‘Pension Freedoms’ introduced in April 2015. Whether it’s still a traditional annuity, the continued flexibility of flexi-access drawdown or withdrawing your pension pot as a cash lump sum or series of lump sums, you’ll need to be confident in the decisions you take.

With extended choice and flexibility comes added complexity, so deciding which is right for you is not straightforward. You may have already consulted Pension Wise or referred to the Money Advice Service. No matter where you are at in your decision-making process, our expert at-retirement advisers have the experience and qualifications to deliver a detailed retirement plan, specifically tailored to best help you achieve your objectives.

Even if the bulk of your pension income is due from a salary related scheme (final salary or defined benefit), it’s worth considering your options. Your tax position, family circumstances, state pension and objectives will all have a bearing on the most appropriate considerations and eventual solutions. Seeking advice could be the soundest financial decision you’ll ever make.

We will always make you aware of the fees you’ll need to pay and ask your permission to proceed before commencing any work. Your first consultation will be at our cost and you won’t be charged following this meeting should you decide not to proceed.

A pension is a long-term investment not normally accessible until age 55 (57 from April 2028). A money purchase pension’s fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.