Annuities

Professional Advice at Retirement could help to maximise your retirement income, at Ayton-Law we can search the whole of the market for the best annuity rates.

 

Most Pension companies invest your money and endeavour to achieve the most favourable returns possible within your Pension fund. This will be dependent on your risk profile, capacity for loss and the corresponding investment approach and strategy.

However when you reach the stage where you decide to take your Pension they may not offer the options you require in terms of how you can take the money from your pension and you may be confused by the pension providers paperwork.  There are also lots of different types of annuities where a pension specialist will be able to advise on a suitable solution based on your needs, circumstances and preferences..

Once you make the decision on how to take your Pension the payments will be secured for the remainder of your life, even if your circumstances change in the future.

You may have numerous Pension pots which could provide you with a small pension from each of these pots. If you combined them together it may be possible to secure a much larger income from your Pension.

You might have a larger Pension pot. This could offer you more options in the future, post retirement with the possibility of allowing you to make changes if your circumstances change.

At Ayton-Law Financial Services we have 2 Pension specialists who will assess your situation including taxation on your Pension and offer you advice on how to maximise your income at retirement.

A PENSION IS A LONG TERM INVESTMENT. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

THE VALUE OF INVESTMENTS CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE AMOUNT ORIGINALLY INVESTED.

IT IS VERY IMPORTANT TO TAKE ADVICE AT RETIREMENT.  AT AYTON-LAW FINANCIAL SERVICES WE OFFER ADVICE AT THE TIME YOU ARE LOOKING TO ACCESS YOUR PENSION CURRENTLY FROM AGE 55 AND OVER (RISING TO 57 FROM 2028).  OUR SPECIALISTS IN RETIREMENT PLANNING HAVE CLIENTS ACROSS NORTH YORKSHIRE, CLEVELAND; CO DURHAM: TEESSIDE, YORK AND HARROGATE. WE PROVIDE YOU WITH JARGON FREE ADVICE.

OUR SPECIALISTS IN RETIREMENT PLANNING OFFER ADVICE THROUGHOUT MIDDLESBROUGH,NUNTHORPE;MARTON: STOCKTON ON TEES; STOKESLEY: RICHMOND, GREAT AYTON; HARTLEPOOL,RICHMOND: RIPON,DURHAM;REDCAR:MARSKE:SALTBURN ,THIRSK;RICHMOND AND  WHITBY.  OUR PENSION EXPERTS CAN OFFER APPOINTMENTS AT YOUR HOME, YOUR PLACE OF WORK OR AT OUR OFFICES.

Contact Chris Johnson DipFA or Ed Randall for further details on 01642659500

or email chris@ayton-law.co.uk or ed@ayton-law.co.uk