Planning for your retirement is a long term commitment. At different stages of life planning for your retirement becomes more important.

The main point to remember is that you start contributing early and review it regularly.

If you are employed or self employed, we can advise you on changes in the market place along with changes in your personal circumstances and how best to plan for your future.

If you are an employer, big or small, looking to set up a scheme we can help you understand your legal requirements regarding workplace pensions and your employees.

Here’s just a few of the pensions you could already have, need to review, or be looking to start:

• Personal Pensions
• Group Personal Pensions
• Stakeholder Pensions
• Executive Pensions
• Small Self Administered Schemes (SSAS)
• Self Invested Personal Pensions (SIPP)
• S32 Contracts
• S226 contracts
• Retirement Annuities

A pension is a long term investment. The fund value may fluctuate and can go down.  Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.