Hells Angel Retirees

Retirement Planning – Everyone is different… how are you going to spend yours?

Retirement is a long time coming but too often it creeps up unplanned


Let’s start your retirement planning now by identifying how well you are covered…  so no matter whether you are in the process of building your pension pot or getting ready to retire can you answer questions such as:

  • are your existing pension plans sufficient to provide you with a comfortable retirement?
  • do you know how much income you will need and how best to draw it from your pension?
  • do you have a number of pension plans and do you understand how they are performing?
  • are you able to deal effectively with the increasing number of changes in the pension market and do you know what impact they are having on your pension?

Working closely with you, we will identify what you want from your pension and develop a structure that meets your requirements.

This might involve building on existing plans or using other vehicles to consolidate and simplify what you already have. There are often a number of choices available and we can discuss each option. The goal is to build a retirement plan that will give you  comfort in later years.

For more information about tax efficient investing for retirement solutions and how we can help you, please contact one of our team.

call us today for more information



Pensions – a brief introduction

Self Invested Personal Pensions (SIPPs)

A Self Invested Personal Pension (SIPP) is a tax-efficient wrapper within which a wide range of investments can be held. A new SIPP must appoint a scheme administrator, usually the recognised product provider. SIPPs have the same tax benefits and regulations as conventional personal pension plans but you and / or your advisers have control over the investment choice – each SIPP is unique to the individual. Otherwise, it operates in the same way as a conventional personal pension in respect of contributions and eligibility, for Her Majesty’s Revenue & Customs (HMRC) purposes.

The complex nature of a SIPP means that it is not suitable for all investors. Often, the benefits of ‘self investment’ are only advantageous to people with very large funds and / or investors with some level of sophistication when it comes to investment decisions. Often, there are additional charges for arranging and dealing within a SIPP and these charges would erode smaller funds quickly.

The benefits of using a SIPP include being able to invest in:

• Stocks and shares listed or dealt on an Inland Revenue recognised stock exchange, including AIM
• Stock exchanges that are not recognised by HMRC, e.g. OFEX.
• Unit trusts, open ended investment companies (OEICs)
• Warrants, covered warrants
• Government stock and fixed interest stock
• Unquoted shares
• Commercial property
• Property funds

We will be able to provide more details and make a recommendation based on your own circumstances



The goal of retirement is to live off your assets-not on them

Frank Eberhart