Helping clients to accumulate a fund for retirement benefits and then to choose from the wide range of retirement options.




Our specialist advice can help clients gain flexibility in retirement. This means:

  • The ability to vary income to suit changing circumstances.
  • The ability to influence the amount of tax paid.
  • The option of paying lower tax in the early years.
  • A wide variety of investment options including self investment.
  • The ability to direct death benefits to dependants.
  • The removal of the requirement to purchase an annuity.



Guarantees (generally in the form of annuities) can work well for those seeking a predictable retirement income. However, the difference between the best and worst provider can be as high as 30%. We help our clients to maximise returns, taking into account various factors including state of health and where you live.


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