The large number of Pension plans introduced by various Governments over the past twenty years has resulted in a confusing array of options for both the new pension investor and the one who started many years ago.

The new investor has to decide from a range of options including :- Stakeholder, Personal Pension, Executive Pension, Self Invested Personal Pension and others. The Labour  government introduced a whole new raft of pension changes in 2006, which have had a major impact on retirement planning. Details of the changes, and their effect on your own situation can be assessed, should you choose to have a confidential personal financial review.

The client with an established pension is faced with the ongoing need to make sure the pension is invested in a way that meets requirements based on risk and timing of retirement and there is also a need to periodically check that there are no obvious advantages to be gained by transferring to a more attractive plan offering better terms.

Part of our service as Financial Advisers is to provide periodic reviews of pension plans and to provide advice as to the current suitability of contribution rates, funds chosen for investment and whether the charging structures are competitive with current offerings.