Pension transfer
Our partner firm provides a service for people that want to transfer from their existing occupational pension scheme (such as final salary or money purchase) or private pension (such as retirement annuity or personal pension). The reason for this is usually poor financial strength or fund performance with ten or more years before retirement.

Our partner firm services will advise on the merits of transferring and the potential benefits that could be lost as well as recommend a suitable pension arrangement, provider and funds in relation to your attitude to investment risk and duration to retirement.

Income drawdown
Where your pension fund is over £100,000 and you do not want an annuity but do want the tax free lump sum, our partner firm offers an advice service for other options including income drawdown. This includes recommending the type of pension to use, provider and funds in relation to your attitude to investment risk and the income you intend to draw from the pension.

Any ongoing advice can be given by our partner firm on an annual basis to monitor fund performance if required and on a triennial basis to reapply the GAD rates to the income drawdown plan.

Annuities
The partner firm annuity service is designed to find you the highest Open Market Option for your specific circumstances. The service applies to both pension annuities for people retiring between the ages of 50 and 75 and purchased life annuities where individuals can be aged in their 90s.

Many people can also qualify for enhanced rates becaume they are a smoker of suffer from diabetes. If you suffer from a more serious illness it is very likely our partner firm can find an impaired rate that is significantly higher than the one offered by your existing provider. All the rates quoted include our partner firm's fee for processing your annuity and ensuring the pension fund is transferred to the receiving scheme and any tax free cash is paid as quickly as possible.


Director SSAS
Our partner firm services to a SSAS is to assist the trustees in maintaining the SSAS including compliance, regulatory and funding requirements. In addition for the directors of the SSAS to actively reviewed and ensure it continues to meet the needs of the members retirement objects. By charging an annual fee payable quarterly in advance this service will be cost effective for SSAS schemes where the assets are valued at £300,000 or above with regular contributions of £30,000 per annum or more.

In particular our partner firm can assist the directors in taking advantage of using a SSAS for corporation tax relief and pre-retirement planning to maximise tax free cash. The regular ongoing advice for a SSAS will therefore benefit both the sponsoring company and members of the scheme.