Retirement options Gloucestershire Wiltshire Oxfordshire

It is vitally important to obtain the right retirement financial planning advice as early as possible.

If you are approaching retirement, you may be considering your retirement options.

Some of the key factors to consider when saving for retirement are:

• How much pension income do you require.
• What effect will inflation have on your pension.
• Do you need flexibility.
• What age do you wish to retire.

Before drawing your pension benefits from an existing pension scheme, it pays to seek independent financial advice. Many schemes offer an "Open Market Option" that allows you to shop around when buying your pension. Not all Insurance companies pay the same annuity rates for example. Do you know that some annuity providers can even offer ill health annuities and enhanced annuities to smokers?

Some clients prefer a more flexible approach to drawing their pension benefits. This can be achieved through an 'Unsecured pension' arrangement. This is an alternative to buying an annuity and allows you to draw an income from your pension fund while the fund remains invested.

We are independent pension advisers and can provide consultations throughout Gloucestershire, Wiltshire and Oxfordshire

As you approach retirement it's essential to get the right pension and retirement advice. After all, the decisions you make now on your retirement, could affect the income you receive for the rest of your life.

Why not make an appointment to come along to our free pension clinic every Wednesday from 1pm to 6pm

For advice on any of the above, Contact Us now.

Pensions Tewkesbury Stroud Bristol Evesham Stonehouse Wotton under Edge Thornbury

Baker & Co Financial Solutions Ltd is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register) under reference 509664

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