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Better Retirement

have been offering help and advice for people with their retirement income choices for more than 20 years

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We are able to offer a personalised report for anyone who wants to know more about their new retirement options

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The changes announced in 2014 Budget have created a pension freedom like never before. Contact us to discuss the new options today

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We have created a range of tools and calculators to help you better understand your income choices in retirement

Tools & Calculators

Summary

Following the budget speech in March 2014, the Chancellor has transformed the way in which people can take their pension benefits. Pensioners are being given more freedom than ever with their retirement savings.

At present, savers can take 25% of their pension pot tax-free when they retire, with the remainder usually going to buy an annuity, a product that typically provides a fixed income for the rest of their lives. From April 2015 all restrictions on access to pension pots will be removed, taking the 25% as tax free cash remains the same, but then people can use the remaining fund as they wish, subject to income tax.

It is more important than ever that people take expert advice when they decide how to take their retirement income and our expert advisers are here to help.

Speak to and adviser today!

Summary

Following the budget speech in March 2014, the Chancellor has transformed the way in which people can take their pension benefits. Pensioners are being given more freedom than ever with their retirement savings.

At present, savers can take 25% of their pension pot tax-free when they retire, with the remainder usually going to buy an annuity, a product that typically provides a fixed income for the rest of their lives. From April 2015 all restrictions on access to pension pots will be removed, taking the 25% as tax free cash remains the same, but then people can use the remaining fund as they wish, subject to income tax.

It is more important than ever that people take expert advice when they decide how to take their retirement income and our expert advisers are here to help.

Speak to and adviser today!

Summary

Following the budget speech in March 2014, the Chancellor has transformed the way in which people can take their pension benefits. Pensioners are being given more freedom than ever with their retirement savings.

At present, savers can take 25% of their pension pot tax-free when they retire, with the remainder usually going to buy an annuity, a product that typically provides a fixed income for the rest of their lives. From April 2015 all restrictions on access to pension pots will be removed, taking the 25% as tax free cash remains the same, but then people can use the remaining fund as they wish, subject to income tax.

It is more important than ever that people take expert advice when they decide how to take their retirement income and our expert advisers are here to help.

Speak to and adviser today!

Summary

What was once the first choice for most people at retirement, annuities still play a vital role in retirement income planning. There are many options and varieties that many people overlook. Ill health related annuities can add 40% to a starting income depending upon the medical conditions and planning what happens to the fund on death has just become more attractive since the recent pension rule changes.

Speak to one of our specialist team to better understand your choices, after all, we have been advising people on their retirement income for more than 20 years and are one of the few chartered firms in this sector

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Summary

Income drawdown has become the new annuity for many after the radical pension changes announced by the chancellor. People have more freedom to access their pension pots than ever before. The new rules have however, brought some added considerations, it is a lot easier to run out of money before you die for example and there could be a lot of unexpected tax to pay if too much is withdrawn at one time.

All of these are good reasons to discuss retirement plans with one of our team and it is never too soon. Having helped more than 40,000 people over 20 years, we are experts in our field, ready to your call

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Summary

We’d all like to make the most of our retirement. But with the effect of inflation continuing to increase the cost of living, you may find that what was a comfortable income is simply no longer enough.

Fortunately, there’s a way that you can cover your needs and enjoy the retirement you are looking for. With equity release, you could release some of the money tied up in your home without having to move.

Release the money tied up in your home and start making the most of your retirement

It could help you:

  • Repay debts or outstanding mortgages*.
  • Boost your income.
  • Help your family.
  • Take a well-earned holiday.

*Think carefully before securing other debts against your home.

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We work with every major retirement income provider including

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Very friendly, helpful, prompt and efficient.Offered a few alternative options, complicated by the recent government pension & annuity changes etc. Tony

Cambridgeshire

Very helpful and approachable and gave clear useful/effective advice which I took to my advantage V Church

Wiltshire

Performed excellent research work on my behalf, uncovering more than one significant pension that I had ‘mislaid’ or forgotten over the decades and quickly arranged good value pensions that were much better than I had expected. Roger

Northamptonshire

Very clear and accurate advice was given when we were selecting our annuity type , ultimately a 6 year fixed term with capital return. Got the best rate for us from a top provider, excellent in every way! Many Thanks Susan

Cornwall

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