Despite problems in the recent ‘credit crunch’ a pension is still one of the most secure, effective and tax efficient ways to ensure that you have adequate funds when you reach retirement.

When planning for the future it’s important to set aside a sufficient amount every month to achieve your objectives. The size of your pension pot will be determined not only by the amount saved, but also by the number of working years during which you contribute to the pension. It will also be affected by the performance of the fund.

Pension planning is a complex field and there many different pension options available. We have pension specialists in our team who can guide you through the options and ensure that your provisions are appropriate for your circumstances and objectives.

The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.