Pensions
Pensions are a complicated area. Advice from a Chartered Financial Planner who provides Independent Financial Advice means that you will be secure in the knowledge that we will have the necessary experience and advanced technical knowledge to recommend the most appropriate solution be it simple or complicated. Whether you are looking for a Stakeholder arrangment through to the more complicated SIPP, QROPS or SSAS, you may be an employer seeking advice on the Pensions Reform Act 2007/8 with regards to Personal Accounts, NEST and Group Personal Pensions (GPP). Alternatively you may have a frozen Final Salary Scheme or another type of Occupational Pension Scheme that you wish to seek advice about.
Many people create a pension fund that exceeds the value of their home, illustrating the need to work with a trusted professional adviser.
By holding an advanced qualification in pension planning, we are able to provide advice regarding the very complicated pension contracts, such as SIPP's and the investments/assets held there-in, and we can also advise on the merits of transferring out of an occupational pension scheme. Very few financial advisers have this authority. Indeed, other IFA's refer their clients to us for that very purpose.
Of course, we can also discuss the very basic elements of pension planning, from
- providing you with, and explaining, a State Pension forecast to
- making pension contributions for a non-income generating person (including children, homemakers and retirees).
We strongly recommend that your existing pensions are reviewed professionally. Our FACTOR analysis is ideal.
Ideally, you will want to plan your retirement, ie what will you want to do with your time. We can then add some meat on the bones by establishing what all of this will be costing. Once we know that it is easier to then know how much to save and to discuss your planning in more certain terms.
Zenith Asset Management will be happy to provide a Pension Review of your existing contract/s, simply contact us to benefit from our FACTOR analysis.
Alan Cox
APFS, AffSWW
We Advise on, & Analyse any pension scheme including:
- Basic State Pension
- Second State Pensions (SERPS) / Contracting In/Out
- Personal Pensions & Stakeholder
- Occupational Pension Schemes
- Additional Voluntary Contributions (AVC's)
- Self Invested Personal Pensions (SIPPS)
- Qualifying Retirement Overseas Pension Scheme (QROPS)
- Small Self Administered Schemes (SSAS)
- Group Personal Pensions (GPP)
- Personal Accounts / National Employment Savings Trust (NEST)
- Final Salary Schemes / Defined Benefit
- Money Purchase / Defined Contribution
- Executive Personal Pension (EPP)
Contact us for further assistance, we'll be glad to help:
Telephone (UK Landline rates apply):
05603 267 177
E.mail:
alancox@zenitham.co.uk
Address:
Acorn House
151 Sweetbriar Way
Cannock
WS12 2UL
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