Choosing a pension may be the most important financial decision you make in your life, but making an informed choice is far from simple.
With baffling jargon, complicated rules and options, it's easy to see why many people feel bewildered when trying to make a decision.
Fortunately Epic Financial Services Ltd is at hand to help. We review pensions plans across the market to find the most attractive and, where appropriate, can provide access to investment management to ensure your pension pot is managed wisely.Your pension transfer is safe in our expert hands!
When it comes to providing for our retirement too many people are doing too little too late. Putting away even a small sum early on in life can make a big difference to the lifestyle you will enjoy when you retire.
Did you know that you can contribute to a pension even if you don't work or even start a pension for your children?
The golden rule for most people is to not rely on the state pension alone!
Today there are a number of tax efficient ways of providing for a comfortable retirement. The area is complex and choosing the right vehicle requires a detailed understanding of your personal circumstances, tax position, employment status and more. The following are some pension areas we can offer advice and information in:
Stakeholder pensions
Dormant/’paid up’ employer or personal pension plans.
Group Personal Pension Plans for employer or employees.
Executive Personal Pension Plans.
Employers Schemes (Occupational Pensions).
Self Invested Personal Pension Plans.
Other areas include......
Pension Transfer - what are the benefits?
In todays world it is less common for people to begin and end their working lives with the same company. It is far more likely that you will move between companies during your career and that you need to consider what to do with the pension(s) you leave behind.
A pension transfer is one option but not suitable in all circumstances. It is therefore important that you obtain good advice when it comes to considering the option of transferring a pension. You need to consider such things as pension benefits, growth levels, nomination options, retirement ages and fees amongst others.
Pension transfer advisers are specially trained and authorised to look at these issues. We have access to a panel of independent pension experts who can help with your pension queries and will be happy to talk about your current circumstances.
What if you are already retired?
Just because you have retired it does not mean that your personal circumstances are not going to change. We will work with you to make sure your investments are always appropriate to your needs. In addition, we are able to provide advice and information on releasing equity from your home to provide a lump sum or regular income in retirement.
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