Thinking about the pension freedoms?
With up to 25% tax free, use your pension savings in the best way for your life and your future. Take advantage.
"Everyone that I spoke to was helpful and polite in every conversation; nothing was too much trouble"
"I was treated as a human being and not just another number. I thought the staff that contacted me were very polite and made it easy for me to understand what to expect."
“They found the best pension deal for me. They were very understanding and always wanted to help me any way they could.”
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What you will get from the pack:
Why are so many people taking money from their pension early?
To solve a problem
Outstanding debt can be a real drain on the emotions. That is why tackling a credit card debt, mortgage or loan now is so appealing.
It can also make great financial sense, earning more interest than you are paying for your debt.
To lend a hand
Parents are programmed to want to help and more than ever the younger generation need a hand.
There are tuition fees to clear, deposits to save for and if the heart is beating hard then possibly wedding bells on the horizon.
To make a change
There’s a good chance that you are starting to reclaim some of that time and space you gave up.
And when that happens it’s natural to start thinking seriously about those upgrades that have long been planned, either around the home or on the car.
What do you want to do?
These are just a few examples and of course everyone’s circumstances and needs are different.
Whatever your reasons for thinking about the pension freedoms, we will help you to make the right decision for you and your family.
Important note: You need to be aware that releasing your pension benefits early could reduce your income and standard of living at retirement. This is why pension release is only suitable for a limited number of people and circumstances and shouldn’t be seen as an easy way to raise funds.
A refreshingly frank approach
There’s no unnecessary jargon for you to decipher, no home appointments for you to squeeze in and no commitment to pay anything without knowing what you are going to get. All we need are a few basic details to get started.
Good to know...
How much of my pension can I take?
If you have the right type of pension you can take as much money from it as you like when you reach 55-years-old.
Pension release: all you need to know
Lots of people are taking tax-free money from their pension. Find out why and if it’s something you could, or even should, do.
Can I take all of my pension in one go?
The chances are you can, as long as you are the right age. Whether it’s the best thing for you to do or not is the big question.
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1 For this illustration we have assumed that: your pension provision allows you to access your maximum 25% tax-free cash allowance; you are not receiving any dividends or company benefits and that you have a standard basic tax code of 1185L using 2017/2018 rates. We’ve also assumed that you have not yet taken any of your tax-free cash allowance. These figures are based on UK taxation, however will look slightly different for Scotland.