Advice Services

Standard Annuity Service

This servce meets the needs of those who have modest pension fund and require expert advice about their annuity options. The key features of this service are:

• Information and advice on all annuity options including:
• • Enhanced Annuities
  • Where appropraire, With-Profits annuities
• Advice on the key issues:
• • Timing of annuity purchase
  • Single or joint
  • Level, escalating or investment linked

Retirement Planning (annuity & drawdown)

This is designed for those with more complex requirements and provides specialist and professional advice on the following:

• Specialst advice on all retirement options including:
• • All types of annuities including flexible options
  • Pension Drawdown (Unsecured Pension)
  • Alternatively Secured Pensions
• Risk Analysis:
• • Annuity v Drawdown
  • Investments and mortality drag

Fees for Annuity Advice

• No charge or commitment for initial advice - includes annuity quotations
• If would like to appoint us as your annuity adviser, we will quote you a fee in advance.
• Our fee is generally taking from annuity commissions, with any surplus commission being re-invested to increase the annuity income
• We have a minimum fee of £ 500. If we receive commissions less than this we will invoice you for the difference

Fees for Drawdown Advice

• No charge or commitment for initial advice - includes annuity quotations
• If would like to appoint us as your adviser, we will quote you a fee in advance.
• We do not take initial commission on Drawdown, and our fees are directly related to the complexity of the advice and size of pension funds
• We will charge an annual fee, normally fund related, to provide ongoing advice

Financial Planning Service

As Charted Financial Planners we recommend taking a "holistic" view of your financial circumstances.

• Key issues:
• Your lifetime income requirements
• Your attitude to risk
• investment and pension assets
• Tax planning including IHT

Fees

This is a fee based services