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Retirement Planning

Lost track of your pension? Or maybe you haven’t got around to making any pension plans at all? Want a simple, stress free solution? Then Independent Financial Management Ltd is your ideal pension partner.

Many people find the whole subject of pensions and retirement planning confusing and worrying. So much so, that it seems easier not to think about it than to take action and safeguard your future.

Independent Financial Management Ltd is here to help. Even when events like divorce or redundancy threaten to complicate matters, we have all the specialist experience and expertise needed to lift retirement money worries from your shoulders.

Pension Transfers

During our working life we often accumulate various pension arrangements. Some offer good value for money, others don’t. We are specialists in the areas of pensions. We will investigate each one, identify the good and bad points and advise you on what to do with them going forward so they marry in with your overall financial plans.

For successful retirement planning it is very important for you to know what valuable guarantees your pensions may offer, whether the charges are competitive and whether the investment matches your risk profile.

Would you like a State Pension forecast? - click here

Income Drawdown (Unsecured Pension)

Income drawdown is the name given to the facility to continue to keep your retirement fund invested and take an income each year rather than buy an annuity. The income that can be taken each year can be varied between £0 and a maximum of 120% of a typical single life annuity. It is a flexible way of taking your pension income, which might fit in with your individual circumstances at the time, including your tax position.

However, it is a complicated plan that requires full explanation. We have specialists within Independent Financial Management Ltd who have the necessary qualifications and experience to guide you through the pros and cons of this type of plan.

Once again, as an independent company we are not restricted in which income drawdown provider we can use.

SIPPs (Self Invested Personal Pensions)

If it is important for you to have control over the types of assets your pension fund invests in, then this will be of interest to you. SIPPs can invest in a wide range of assets including the business premises you work in. We have years of experience in advising clients as to the best type of SIPP to fit your needs.

If you want to discuss these areas of advice then please give one of our advisers a call on 01924 339 825 or complete the enquiry form at the top of this page.

"You make the world of investments and pension provision crystal clear. I would have no hesitation whatsoever in recommending you to anyone looking for help in this area."
Jeni Rankin. Glen Orchy, Argyll
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