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Retirement Solutions

 

Retirement SolutionsProbably the most important decision of your life is how to plan your finances and pensions in the run up to retirement and beyond. Our Chartered Financial Planner, Alan Cox, APFS, is perfectly placed to discuss all of the options available to you, from a Traditional Annuity, Income Drawdown/Unsecured Pension (USP), 3rd Way Solutions, Scheme pensions, Alternatively Secured Pension (ASP), Qualifying Retirement Overseas Pension Scheme (QROPS), as well as the options available from any occupation pension scheme that you may have.

 

When you are in the run up to retirement it is absolutely essential to prepare, and the sooner the better. We recommend your preparation should be started a good 10 years in advance, and certainly at 5 years prior to your preferred retirement date. We will be glad to help you organise all of your pensions to make the transition into retirement smooth.

 

At retirement you MUST ALWAYS seek professional advice to discuss and consider your retirement options, because many retirement options are for life and cannot be altered.

 

If you do not fully understand the features, benefits and drawbacks, in terms of flexibility, access (Including death benefits), charges, taxation, objectives and risk/reward of ALL options stated above, then advice should be sought.

 

  • If you have an OCCUPATIONAL PENSION, YOU DO HAVE an open market option - AT LEAST COMPARE THE ALTERNATIVES.
  • If you have a PERSONAL PENSION YOU DO HAVE an open market option. It is rare that your current provider offers the best annuity rate.
  • If you are already drawing your income from an Unsecured Pension such as an Income Drawdown arrangement, then we recommend that you review the investment structure at least annually.

 

With all of the above retirement solutions and retirement options, Zenith Asset Management are professional retirement planners offering a truly independent and unbiased service as IFA's and as a Chartered Financial Planner. We will be glad to discuss your retirement planning and the options that you have available.


Alan Cox

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