As people are living longer healthier lives, we believe it has never been more important to make the right decisions at the point of retirement. A person’s pension fund is often their largest asset after their home and converting this into an income will be one of the most vital decisions you will ever make.  The range of retirement options is wider than ever before, and taking the income offered by your current provider is often not the most suitable route. We have the expertise to guide you through the “retirement maze” with the aim to ensure that you make the best possible use of these important assets.

We will:

• Explain the difference between annuity and investment based options
• Guide your decision in context with your overall assets, circumstances and objectives.

For annuities, we will: 

• Compare your current provider’s terms with the options available via the Open Market
• Advise you on a range of options to help you understand the most suitable annuity
• Negotiate enhanced terms if possible, based on your health and lifestyle position.

For investment based schemes, we aim to: 

• Assess your tolerance towards investment risk and capacity for financial loss
• Recommend an appropriate investment strategy for you
• Conduct ongoing reviews to ensure that your investments remain appropriate.