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Retirement Choices

Choice is good as long as you make the right one. we can help.

There has been plenty of coverage in the financial media about retirement freedom and how you can now spend your pension fund as you see fit. However, more freedom and more choices mean you now have more decisions to make.

So, do you see this as an exciting freeing up of your retirement choices and a licence to spend your money how you wish? Or are you worried about making the wrong choice? Maybe you don’t know which way to turn.

What does greater freedom mean for me?

Until 19 March 2014, when the Chancellor of the Exchequer George Osborne, stood to give his Budget speech, any choice you had on how to spend your pension fund was restricted by tax law. After all, the government gave away generous amounts of tax relief to encourage people to save for a retirement income so they made sure that was exactly what you did with the money.

However,the Chancellor announced that in one hit he would remove all remaining tax restrictions on how pensioners could use their pension pots.

How do I make the right choice?

Retirement freedom creates more choice; but it brings with it more risk. While the earlier restrictions may not have been popular, they did protect us from running out of money.

We now live in an era in which we live longer. We are retired for longer. We need to make our savings last for longer. We can only do this if we make the right choices. We can only make the right choices with the right advice.

In this guide we will take you through the choices that are on offer so that you can approach retirement feeling more informed.

Guide to Retirement Download

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