Pension Advice – Winchester

Putting money into a pension is one of the best ways to save and invest tax-free. The rules around how much you can put in each year are different for everyone. They depend not only on your income but on a large variety of other things too. Our pension experts will help you make smart choices about paying into your pension and planning for retirement. We take a tailored approach to all our advice; we look at your own specific situation and goals and formulate a plan from there.

Our advisors have lots of industry experience and can provide you with expert guidance on making the most of all your pensions. This includes your state pension and any workplace or private pensions that you may have.

Unsure if you have adequately planned for your pension income? Our experienced financial advisors can help ensure you make the most of your pensions and retirement savings.

We provide professional guidance on consolidating workplace and private pensions, deciding when to start taking pension benefits, and choosing income options like annuities versus drawdowns. Our goal is to maximise your retirement income and minimise taxes paid.

No matter what pensions you have, we look at your overall situation and suggest strategies to maximise lifelong retirement cash flow. We can use cashflow planning to run projections and scenarios to help you target the income you need.

Get the expertise and peace of mind that you deserve.

These days, most people don’t get a traditional pension that pays a guaranteed amount when they retire. Those old “gold-plated” pensions mainly exist now only in the public sector or as old schemes.

Instead, many workplace pensions now put more responsibility on the employee. The company contributes to your pension pot, but doesn’t promise you’ll get a certain amount when you retire.

Our financial experts can provide balanced advice about this part of your retirement planning.

A Self-Invested Personal Pension (SIPP) is a flexible type of pension. It gives you more freedom to choose investments than old-fashioned pensions did. With a SIPP, you’re not stuck with just a few options. You can invest in things like stocks, bonds, funds, commercial property, and land.

SIPPs can help you plan for retirement effectively. You can take pensions from old jobs and combine them into one SIPP. That makes it easier to invest everything together in a sensible way. SIPPs can also reduce the inheritance tax your family might pay.

At Featherstone, we provide advice about SIPPs, and we can also help you build up and manage the assets in your pensions.