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

Howard clearly explains to you the reasoning behind his decisions . He is really helpful in assisting you in making the right decisions on investing safely by providing information on fund I choose but also providing alternatives that I might like to think about. He is also proactive in his approach to safeguarding my investments.

We have known Paul for approximately 6 or 7 years and have found him to be very professional and give sound advice. We have always found him to be very approachable and easy to contact with any problems or queries. Would thoroughly recommend him.

Ron & Pat

Howard is very down to earth so you understand what he is telling you and very honest so you know that he is telling you what is best for you and not him!

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.

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

The last adviser i had was very friendly and easy going but i felt that i made most of the decisions , Howard is also very easy to get on with but has come up with suggestions that fit with my plan.I like to feel that my advisor is listening to me and then together we can agree on the best way forward, i have found Howard very good in this respect.

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