Authorised and Regulated by the Financial Services Authority.

Retirement Planning (2)
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Other questions to consider at retirement are: Should I buy an annuity and what type (there are many)? Should I use the Open Market Option? How much Tax Free Cash (pension commencement lump sum) do I need or should I take? How will inflation effect my retirement planning? What happens to my fund on death? How should I invest my pension? Do I need to take my pension all at the same time? What is income withdrawal and is this suitable for me?

These are only some of the many issues that you must consider when planning for your retirement. Specialist advice is vital if mistakes are to be avoided. At Handscombes we specialise in designing and implementing tailor-made strategies for our clients’ own particular retirement needs.

Our personal and creative approach is based on an extensive knowledge of the tax and legal implications of this complex area of financial planning. Through our dedicated approach we endeavour to deliver a first class service which involves regular comprehensive reviews to ensure that you remain ‘on track’ to meet your own personal retirement objectives.

Our Service Includes:

• Agreeing the most appropriate and realistic date for retirement;

• Determining the actions necessary to fund your desired lifestyle;

• Investment advice for personal capital;

• Analysing the implications of your current assets;

• Utilising the most effective manner of withdrawing income/cash from your pension fund;

• Maximising those assets which one day you may want to pass onto your children.

Products we can help you with:

• Occupational Pension schemes;

• Personal Pension Plans including Stakeholder Plans, Retirement Annuities, Group Personal Pension Plans (GPPs), Self Invested Personal Pensions (SIPPs), Small Self Administered Schemes (SSASs), State Pensions, Pension Fund Withdrawal, Funded Unapproved Retirement Benefit Schemes (FURBS), Executive Pension Plans (EPPs), Retirement Annuities and Annuities to name but a few;

• Using your pension to help your business.

Whatever your requirements, contact us for a more
focussed discussion around your own personal needs.

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