Beaumont Robinson | IFA | Planning Your Retirement | Personal Pensions, Annuity, Annuities Advice, SIPP, SIPPs, Independent Financial Advisers, Yorkshire UK

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Independent financial advisers to individuals & businesses | Bradford, Yorkshire, United Kingdom

Pension Annuity Yorkshire

Planning Pension Yorkshire

	We all know planning your pension is important and you need to do it. But it can seem complex and frustrating, particularly as the rules and the products keep changing. We can show you all the options and advise you on your best plan of action.

	While you are working _ There are two main stages to your pension: one - before you retire; two - after you retire. While you are working there are several options available to build up a pension pot for use when you retire. All the options are governed by Inland Revenue regulations and all benefit from the tax man contributing to the investment. The main options available now are: _ • SIPPs (Self Invested Personal Pension) allow you to take greater control of managing the investment of your pension fund. We help you take full advantage of this flexible option. _ • SSASs are similar to SIPPs as they are flexible. They are operated by your employer. _ • Group Pensions are run by your employer and we help advise you and administer the pension for your employer. _ • ISAs (Individual Savings Account) can be used as part of your retirement funding. The amount you can put in each year however is relatively limited. What about Stakeholder Pensions, Final Salary Schemes, Occupational Pension Schemes, State Pensions, Personal Pension Plans, Additional Voluntary Contributions? With so many options and rules for new and existing schemes, it’s best to talk face to face with an experienced and knowledgeable Beaumont Robinson Adviser, who will lead you through this complex subject as clearly as possible.

	So you've retired _ You aim to have the time of your life. It helps if your pension is now working for you as best it can. As always there are options available to you. Again we advise you on your best plan of action, as clearly and simply as we can. • Income Drawdown is a flexible and useful way of accessing your fund while it remains invested. _ • Annuity is the product you have to purchase under current regulations in order to draw an income from your pension pot. Buying an annuity with the funds in your pension pot then fixes the size of your income for the rest of your life, so it's a decision to be made after careful thought. A Beaumont Robinson Adviser will help you with this important choice. As with all aspects of pensions, the options available at retirement require a good deal of consideration and an experienced and knowledgeable Beaumont Robinson Adviser will help you through the process. Rules on Taxation _ The rules on taxation can change. Their value will depend on your personal tax position. The information on this website is based on our understanding of current legislation as of January 2010 and may be subject to change.

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