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 has been our financial adviser for many years and has helped us with general investments and pension provision. We have always found him to be approachable, trustworthy and reliable. He understands our attitude to risk and our need to be cautious investors and has explained thoroughly and in simple terms any possible changes that might affect us. He keeps us regularly updated with our investments and is always available to give us advice on any other financial problems which may occur. We would not hesitate to recommend him to others.

Eddy

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 consistently offers a broad range of financial services – all of which he seems to have a deep understanding. The advice I have received has been tailor made to my own personal situation and it has been this individual attention to detail, coupled with a wide range of products , that sets Howard apart from any other financial advisers I have come across.

Paul has proved to be approachable, responsive and willing to go the extra mile. These are difficult times to find a decent return on savings and investments and my final judgement of Paul will be based on the return we receive over a period of 3 to 5 years. From my dealings with Paul I have formed a positive view of his ability and I would be happy to recommend him to others. His patience and tolerance of my many uninformed questions has been greatly appreciated.

Don

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.

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.

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