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“Bringing the future home.”
It can be difficult to understand your options at retirement. In this section, we explain some common retirement options in plain simple language. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.

Your Retirement Options

On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your pension savings and the options you have in retirement. These changes are good news for all pension savers. However, the increased flexibility and greater choice over how and when you access your pension savings could lead to making the wrong decisions and paying unnecessary tax. It is important to seek advice before deciding on what to do. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen

Income Drawdown

Income Drawdown is a more flexible alternative, although much higher risk, to the traditional annuity route, offering greater choice and control for many people.

Enhanced Annuities

An Enhanced Annuity pays a higher income in retirement if you have a medical condition that may reduce your life expectancy.

Pensions & Divorce

With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.