Personal Pensions

Pensions are a very useful tool when viewed as tax efficient longer term savings contracts. If you are self-employed or do not have an arrangement you contribute to then we can guide you through setting up the optimal structure to ensure you do not have to compromise your lifestyle when you retire. Best of all, this does not necessarily mean you are required to make big a sacrifice in your income now as we will direct you how to claim tax relief on your contributions.


Additional Voluntary Contributions (AVCs)

These can form part of your wealth strategy to maximise the benefits available to you when you draw down your retirement benefits. If you are a member of an employer pension arrangement and have not yet maximised your benefits you can make additional contributions to top up your funds and ensure you are not left short at retirement.