Pension and Retirement Planning
There are two distinct phases to pension and retirement planning and we are expert in both.
When building up your pension fund, the selection and structuring of the right pension plan in terms of flexibility and costing is important. So too is choosing the right pension provider and fund manager to ensure that investment returns allow for a comfortable retirement.
We will also help you ensure that the right contribution level is achieved to fit both your current budget and your aspirations in retirement.
When arranging the withdrawal of your pension benefits you will be faced with one of the most complex financial decisions you will ever have to make. As you approach retirement, you will need to decide how to withdraw money from your fund. The simplest method is to buy an annuity, but more flexibility and tax efficiency may be achieved from other pension fund withdrawal methods.
We firmly believe the most important factor in pension management is the performance of the underlying investments. We emphasise this aspect far more than is normal amongst pension advisers and accordingly have a history of achieving above average returns for pension clients.
“For a long time I dealt direct with pension companies and was never satisfied that I really knew where I stood, or was getting the best deal. Baigrie Davies have sorted out my various schemes, so that they all (at last!) work to one strategic plan. They have also managed the fund so well that I now expect to retire rather better off than I hand previously anticipated.”
Michael Robinson, Osteopath