With the recent changes to the ways in which individuals can take their pensions during their retirement, “pensions” have become an extremely flexible and important part of a client’s overall retirement planning. They are no longer restrictive and further tax breaks have enhanced not only the tax position pre and post retirement, but also tax efficiency when passing the retained wealth on to your beneficiaries.
 
There are now three key stages to Retirement Planning:

·         Pre Retirement
·         Post Retirement
·         The passing on of wealth after you have died.
 
This is a complex area of planning and solutions created for clients with Retirement Planning objectives  will be dependent upon their circumstances, tax position, employment status, risk profile and many more factors.
 
At Allen Charlton Wealth Management, we see retirement planning to be critical to providing clients with the financial stability they strive for and use our expertise and experience to give our clients the best opportunity to enjoy the retirement that they desire.
 
The following are examples of the main types of pension contracts that we would be happy to offer our advice on:

·         Personal Pension Plan (PPPs)
·         Self Invested Personal Pension Plan (SIPPs)
·         SASS
·         Flexi Drawdown
·         Group Personal Pension Plan
·         Stakeholder pension
·         Executive Personal Pension Plan
·         Employers Schemes (Occupational Pensions)
·         SERPS and S2P
 
When it comes to taking of benefits from your pension contracts, we will work with you to produce a solution that aims to meet your specific requirements, to provide you with the capital and income you need, considering your individual circumstances, tax efficiency, inheritance tax wishes and including any other assets you may own. This will be undertaken with the key aims of personalisation, flexibility and individual control.
 
To achieve this we will look at all of the following solutions:
 
·         Phased retirement
·         Pension Fund Withdrawal (Income Drawdown)
·         Scheme Pension
·         Annuity Purchase
 
A critical component of Retirement Planning is to continually review your strategy. Our review service ensures your retirement planning is maintained, to meet your changing future requirements, in line with
your risk profile and any changes in your future circumstances to ensure you can have the retirement you deserve.


Please note IHT and tax planning are not regulated by the FCA. 
 
A PENSION IS A LONG TERM INVESTMENT. THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

Allen Charlton Wealth Management Ltd is an appointed representative of TenetConnect Limited, which is authorised and regulated by the Financial Conduct Authority.

Allen Charlton Wealth Management Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 586054.

Registered in England and Wales under reference 8141709.

Registered office address

Allen Charlton Wealth Management Ltd
King Business Centre
Reeds Lane
Sayers Common
West Sussex
BN6 9LS
Tel : 01273 833 131
Fax : 01273 832 388