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We thoroughly examine all pension providers in the UK. Our website operates independently, without any ties to specific pension providers, ensuring that we do not endorse any exclusive "special offers" from particular providers.
Whole of Market - Our search encompasses the entire pension market, including exclusive quotes and rates that may be accessible to pension brokers.
1: Complete the form above.
2: We will find the most recent offers from the pension market, including any exclusive rates available online.
3: You will receive a pension quote NO obligation.
4: The decision is yours – if a deal aligns with your requirements, fantastic; if not, there's no pressure to proceed.
Financial Advisers help people with their long-term financial planning, which can include investments and pensions. Some will also help people with Mortgages and Insurance They may also help in specialist areas like Inheritance Tax planning or Estate Planning.
People will often go to an Adviser either with a specific need, such as consolidating a pension, or a broader goal, such as wanting to review all finances and making sure he/she is set up for retirement.
Financial Advisers can help you at all stages of life – young families, mid-life, pre-retirement, post-retirement, later life, marriage, death and divorce.
A Financial Adviser will start by understanding your situation – your finances, your future plans (how much it will cost), and how cautious or adventurous you want to be with your money. They will then present you with a plan outlining your financial options. This might cover how much you save for the short-term vs. invest for the long-term.
Once you have agreed a plan with the Financial Adviser, they will then hunt down the very best accounts, funds or products for you. They will then complete the necessary administrative work to begin your Financial plan.
Finally, a Financial Adviser will regularly update you on how your finances are performing and on occasion review your financial situation with you.
Advisers can assess an individual's current pension arrangements, including the projected retirement income, charges, and investment strategies, to determine if they're on track to meet their retirement goals.
For individuals with multiple pension pots, advisers can assist in determining whether it would be beneficial to consolidate these into a single scheme. This can make management easier and potentially reduce fees.
Advisers can assist with creating a comprehensive retirement strategy, which includes understanding when someone can afford to retire, what kind of lifestyle they can expect, and what sort of provisions they need to make for later life.
When it's time to access pension savings, an adviser can help clients decide between purchasing an annuity (a guaranteed income for life) or opting for a drawdown (where the pension remains invested, and the individual draws an income from it). They can guide on the pros and cons of each, potential tax implications, and the best providers or strategies for each option.
Advisers can assist in selecting the right investment strategy for pension funds, ensuring they align with the client's risk tolerance, time horizon, and financial goals. They can also regularly review and adjust these investments as markets change and as clients approach retirement.
Definition: A type of personal pension that offers a wider choice of investments compared to a traditional personal pension.
Features:
- Flexibility in investment choice, allowing individuals to invest in a wide range of assets such as stocks, bonds, commercial property, and more.
- Ideal for those who are experienced investors or those who want to take an active role in managing their pension investments.
- SIPPs may come with higher charges due to the broader range of investment options and the administrative complexities they might involve.
- Typically managed by the individual or their appointed investment manager.
Definition: A type of occupational pension scheme typically set up by directors of a company for their benefit, or for the benefit of specific employees.
Features:
- Offers a wide range of investment opportunities, similar to a SIPP.
- Can be more complex in terms of administration and governance.
- Allows for loans to be made back to the sponsoring employer, subject to certain conditions.
- Given its nature as an occupational pension, it can be a useful tool for business planning and financial management.
- Typically involves a closer relationship between the pension scheme and the sponsoring employer than with other types of pension schemes.
Both SIPPs and SSASs can offer greater investment flexibility, but they also come with increased responsibilities in terms of investment decision-making and administration. It's crucial for individuals to be aware of these responsibilities and, where necessary, to seek appropriate advice when considering either of these pension options.
Engaging with a financial adviser for these services can ensure individuals optimize their pension savings and make the most of their funds during retirement.
This website contains information on independent financial advisers & financial advisers who provide advice and services in the UK. The information is directed only at persons in the UK.
This site is an independent marketing website that acts as an introducer to FCA regulated companies. The guidance and or advice contained within this website is subject to the UK regulatory regime and therefore primarily targeted to customers in the UK. Any and all personal information that we may collect will be used and held in accordance with the provisions of the Data Protection Act 1998 and your rights and our obligations under that Act. We may use your personal information to contact you or pass your details to other companies associated with us to contact you (including by telephone) to provide you with details and services in relation to any enquiry you make to us. This may include a call with regulatedadvice.co.uk who will arrange a consultation with a Financial Adviser.
Palantir Business Group Ltd is the owner of the website. We do not endorse or approve any of the independent financial advisers or financial advisers listed in our directory or any advice that they may provide. While we undertake a number of checks to ensure that information provided through its search is correct, it is your responsibility to satisfy yourself that the Financial Adviser you speak to is independent and appropriate for the business you are transacting and/or any service you are seeking. Any decision to transact business with or take up the services of a Financial Adviser that we refer you to - is made by you on the basis of your own enquiries.
The materials contained on our site are provided for general information purposes only and do not constitute professional advice. Pensions Planning Service & Palantir Business Group do not accept any responsibility for any loss, which may arise from reliance on information contained in this site and accept no responsibility for information provided by third parties as any links to third party sites are provided solely as a convenience to users and at your own risk.
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