PENSIONS

C&IS offers a comprehensive pre and post retirement planning service.  We offer impartial, independent financial advice to ensure that all our clients are recommended the most suitable Pension available based on their individual circumstances.

Everyone knows that the state can only partially provide retirement income at 65.  In order to achieve a comfortable retirement it is necessary to start saving as soon as practically possible.  Our job is to find a suitable provider for your hard earned savings and more importantly to ensure that the underlying investment recommended achieves future aspirations.

LOW COST STAKEHOLDER PENSIONS

When you have worked hard throughout your working life  to provide the standard of living that you currently enjoy, it is imperative that in retirement you do not lose that standard  of living.  

A recent survey carried out by one of the major pension providers concluded that some 51% of us are not setting aside adequate sums for their old age.  Of  the 51% who face the shortfall, almost a quarter had no savings at all.  In these cases inevitably the final retirement income they receive will be far lower than expected.    

PENSION TRANSFER SERVICE 

People who took out their Pensions in the 1970’s, 80’s and early 90’s may now be disadvantaged by inflexible contract terms and high charges resulting in poor investment performance.  Here at C&IS we recommend that all new clients let us review their existing Pension Plans.  After receiving a written authority, we will write to the Pension provider or providers concerned and ask for retirement projections, fund values and details of charges.  Many clients we see are still invested in old With Profit Funds which in some cases are paying as little as 1% per annum bonuses.  These contracts do not offer the transparency of the more modern equivalent Pension Plans.  Where we believe a client is disadvantaged by staying with the existing provider, we will recommend that the fund is transferred into a new style Personal Pension or Stakeholder Plan. 

According to the Financial Services Authority you could gain as much as 35% extra income from your pension fund by simply shopping around.     

FLEXIBLE PERSONAL PENSIONS AND SIPPS 

We  promise to review the arrangement selected for you at least once a year until your retirement thus ensuring that the pension benefits you will finally receive match your expectations.

For a free quote  and without  obligation contact us on 0845 6039376 or complete the enquiry form below