Saving for retirement is something that most people seem to put off for as long as they can. But the reality is that the sooner you start paying into a pension, the higher your income in retirement is likely to be. If you are working, you are usually building up the right to a basic State Pension – and possibly an additional State Pension – but these are unlikely to be enough to give you the standard of living you want.

If you already have a pension, whether you are still contributing to it or not, it may be a good opportunity to see if the current provider is the best place for it to be.  If you are approaching retirement age, or are considering crystallizing all or part of your pension, please contact us to discuss your options.

As independent financial advisers we have access to the whole of the market.

As an Offer More Options advisers, we will

• Discuss the level of flexibility, control and security you want with your retirement income solution, including appropriate death benefits.
• Consider all the income options and products suitable for you based on your current health, attitude to risk and marital status
• Help you secure the best income solution available using the ‘Open Market Option’... your right to move your pension fund to the provider of your choice