Pension Planning
Maintaining Your Quality of Life
Retirement planning is one of our core services. You might be retired for 30 years, and it is important you get it right! Planning for your retirement should start as soon as possible, and should be reviewed regularly to make sure your income from all sources in retirement matches your needs. A Pension is simply a tax efficient way of building up a lump sum, which can then be used as a means of providing you with a regular income for life upon retirement.
As you go through the various life stages, your attitude to risk will evolve and as you near retirement you need to protect whatever you have managed to accumulate. Regulation changes all the time and you need to make sure you take advantage of every opportunity to maximise the returns on your retirement funds. Our reviews will make sure you stay on track.
As newcomers to the pensions world, both my wife and I were made to feel very welcome at the meetings we had in the comfortable surroundings of McCreas offices in Glasgow, and we have been impressed by their attention to detail and prompt communication.
CM - Balmedie
How We Can Help
Pension planning is one of the most important decisions of your life and independent financial advice is crucial. Pension plans are now much more flexible than in the past and individuals can benefit from far greater control through this flexibility.
For most people, a pension arrangement such as a Personal Pension Plan or an Occupational Pension Scheme provided by an employer will be the way to achieve their pension goals. A pension plan ideally should start as soon as possible and if you already have pensions in place, you should take the opportunity to have a closer look at your existing arrangements to make sure you are on track.
We analyse pension plans in terms of investment performance, flexibility of contract design, fund choice, administration changes, providers’ financial strength and pedigree ensuring you have the most suitable contract available. We can assist you to consider fully the most appropriate level of contributions that you should be making to provide for a secure retirement, and our ongoing servicing philosophy means you are continually kept up to date of any developments in the pensions market and how your pensions are performing.
If you'd like to make an initial free no-obligation appointment to establish or review your plans, you can contact us by email or by calling the office on 0141 572 1340.
The value of pensions and the income derived from them may go down as well as up. You may get back less than invested.