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Pension & Retirement Planning

Pensions – historical complexity (why we need all your information).

Be aware that since the 1970s there have been many, many, types of pension, and sometimes different types of scheme could have been given the same name. For example there were retirement annuities, which were sometimes called, for marketing purposes, Personal Pension Plans. Then the Government created a new legal structure called Personal Pension Plans. Result – confusion. Add in Group Schemes, Group PPP, Money Purchase Schemes, S32 Buyout Policies and more, and you can see why this is a complex area.


Maximising Existing Pensions

In the course of a career you might have accrued various pensions with different employers, or through periods self employment. This is a complex area, but we strongly recommend that you supply us with all your pension documents so that we can assess them. In some (but not all) cases consolidation or transfer may be a good idea.


Taking Benefits

For most people, taking benefits is a simple matter of calculating the total value available, and then taking some as tax free cash and some as income (normally through a pension, or annuity).

Let the experts help you. We will meet with you at your home or our office and will consider your requirements and research the whole of the market for the most suitable solution. There is no charge for our initial meeting to explore the options available. Please call us on 01704 898570 or email us at mail@OctagonWealth.co.uk to book a no obligation appointment to discuss your options in more detail.