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“Pensions & Investments”

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As with everything we do at Town and Village, our Pension and Investment advice is wholly tailored to suit your individual needs.

There are a multitude of pension and investment products available and what may be suitable for one client could be wholly inappropriate for another. Following a detailed review of your personal and financial circumstances, aspirations and objectives we will work closely with you to devise and implement a plan that strikes the correct balance between potential risk, reward and accessibility. Effective financial planning is an ongoing process and as such Town and Village offers its pension and investment clients ongoing, regular servicing that will match their objectives and budget.

Pre-retirement Pension Planning

The harsh reality is that when it comes to providing for a comfortable retirement for ourselves, too many of us are doing far too little, far too late. Our fully qualified Financial Adviser, Bill Wood, works closely with clients to ensure their retirement planning is on-track to provide them with the standard of living they would wish to enjoy in their retirement. Through Bill, we can offer advice on:

  • Personal Pensions
  • Group Personal Pensions
  • SIPP’s
  • Assessment of existing schemes (whether active or deferred)

At-Retirement Pension Planning

The unprecedented overhaul of UK pension legislation and tax rules in April 2015 means that people now have more choices than ever about when and how to take their pension benefits. Whilst the new regime has given retirees true freedom of choice, the wide array of options can often be bewildering. We can help to guide you through this potential minefield and design and implement the right retirement plan for you.
Advice is available on the following areas and associated products:

  • Flexi-Access Drawdown
  • Uncrystallised Funds Pension Lump Sum (UFPLS)
  • Full fund withdrawals
  • Annuities and hybrid products
  • Mixing and Matching the above

Investment Planning

Are you aware of the various savings and investment options available to you? Are you sure you are utilising the most tax efficient accounts/wrappers to house your savings and investments? Investment advice that will ensure this is the case is available in relation to:

  • ISAs
  • Unit Trusts/OEICs
  • Structured Products
  • Investments Bonds
  • Offshore Investments
  • Income producing investments

Should you have any questions about our Pension and Investment advisory services please do not hesitate to contact us. Bill offers a without obligation consultation to all new clients.

The value of investments and any income from them can fall as well as rise. You may not get back the amount originally invested. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen

 

See how we can help

We know each of our client's circumstances is different. That's why we offer tailor-made solutions to the modern-day range of all financial needs.

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