Retirement Planning

Retirement Planning

Services

Retirement Planning

The perfect pension plan is different for everyone, as it depends on a wide number of varying factors.

But, the initial question to inform an effective plan is always the same…What kind of lifestyle do you want when you retire?

At Clear Financial Advice, we’ve over 40 years combined experience in pension and retirement planning.  By taking a considered, and logical approach we’re able to advise clients on how best to navigate the complex taxation and investment landscape. And, most importantly, to propose individual recommendations that produce the best possible income when our clients decide to retire.

We provide objective advice on the following products:

Personal

  •     Personal Pension Plans
  •     Stakeholder Pensions
  •     Self-Invested Personal Pensions (SIPPs)
  • Trustee Investment Plans (TIPs)
  •     Annuities
  •     Enhanced Annuities
  •     Temporary Annuities or Fixed Term Annuities
  •     Unsecured Income (formally known as Income Drawdown)
  •     “Third-Way” Products

Business

  • Small Self-Administered Schemes (SSAS)
  • Group / Corporate Pensions
  • Auto-Enrolled Pensions

Discover more about our business financial advisory service

How do the new rules affect your pension pot?

The Government’s new pension rules mean that you now have several choices when it comes to what you can do with your pension.  This includes, releasing funds, receiving a guaranteed income, passing funds down through generations or a mixture of options.  What you may not realise, is that not all pensions allow you to take full advantage of these new rules.

We can help you find a pension that’s truly fit for purpose.

Book a free appointment

The Financial Conduct Authority does not regulate taxation advice.

Feedback from our clients

Paul is very easy to talk to,most helpful and always ready to explain fully and queries. I have always been more than pleaseed with his service to me.

Edith

When, like me, your investment knowledge is limited the first things you want from an IFA is someone whose honesty, experience and advice you feel you can trust. If after that you get to like them as a person who shares similar values with you, as I have and do, then the association should prove to be fruitful. I recommended Paul to both my sons when they needed mortgage advice and would not hesitate to recommend him to others.

Bernard

Thoroughly impressed with Howards advice and whole professional manner. He clearly explained all of the options to me and educated me through the processes. I feel confident that he is looking after my best interests and will continue to refer him to my family, friends and colleagues.

My Advisor Howard Bullock of Clear Financial Advice gives me prompt clear advice regarding my Pension and Investments. Howard will say if h3e can help improve my investments or if they should stay where they are. I have been extremely please with the service form Clear Financial Advice and will continue to refer them to my own contacts.

I found Paul not to be pushy and explained the various options we could have with full illustrations. He always had plenty of time for our questions.Would 100% recommend him.

Audrey

Paul was recommended to me by a colleague, i am always very guarded when speaking with professional finance people but Paul was very different from the usual, he was extremely helpful, he listened to my needs and offered me lots of different options, he explained everything very thoroughly and always conducted himself very professionally.I trusted him 100% with my financial needs and his advice has put me in a very comfortable position.I have since recommended him to other members of my family and a lot of my friends/business colleagues.I would thoroughly recommend him for all your financial planning needs.

Patrick O’Callaghan
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