Independent Financial Advice on Pensions, Investments and Inheritance Tax in Brighton, Sussex and London. By helping you to understand your finances and how they fit into your life we can ensure that you money is working for you - whether that is maximising your annuity income, diversifying your investment portfolio or mitigating inheritance tax. What sets us apart? We take time to explain things so that you understand your options and feel confident you are making the right choices.
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We are proud to be amongst the leading financial adviser firms in the country with our quality and reputation confirmed by our Chartered status, awards and most importantly the feedback we receive from our customers. Originally established in 1993 the company has grown and developed attracting some of the best financial advisers from across the South East.
You've worked hard all your life saving into your pension, now it's time to draw your pension. We explain things in plain English and work hard to get you the best income to help you enjoy your retirement. A pension is simply a tax efficient way to save for retirement. Because the Government wants people to save money in preparation instead of relying on the state, there are some very generous tax breaks to encourage pension saving.
You've worked hard all your life saving into your pension, now it's time to draw your pension. We explain things in plain English and work hard to get you the best income to help you enjoy your retirement. You can draw pensions from age 55 and whilst the majority of people do not touch their pensions until they actually retire, the run up to retirement is probably the most important time to get Independent Financial Advice.
The good news is that increased life expectancy today means that most people of working age can look forward to a long, healthy retirement. Pensions help you to save so that you can afford to enjoy your retirement. In the 1950's the average retirement lasted just 10 years, whereas the life expectancy for a 65 year old retiring today is 23 years.
Pensions and annuities are different. Pensions are where you save for retirement, when you start drawing the pension it is called an annuity. An annuity pays a guaranteed income for life and is the most common way to convert a pension plan into an income. In practical terms it means handing over your pension fund to an insurance company, and in exchange they will pay you a guaranteed income for life.
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