Specialist Pension Planning

Pensions and Divorce Service

We provide an easy-to-use, cost-effective and professional service designed by our pension specialists for both family solicitors and their clients when they have to deal with the pension arrangements within the total family assets.

Our service covers the whole pension sharing process from collating and analysing information to the provision of a report and financial advice on the implementation of the pension credit.  

Divorce, as we all know, can be a very stressful and life changing event for clients, and at this most difficult of times, it is comforting to know that a professional service is at hand to guide you through the many complex areas that exist within the pensions world.

The service we offer is available to clients directly, accountants, solicitors and their clients.

Retirement Options — Making Best Use of Your Pension Fund

Building up a retirement fund through life is not easy, but once you have managed to secure a reasonable fund, and you are considering taking your benefits, it becomes very important that the right choices are made.

The decision used to be just a simple choice of purchasing an annuity, but now there are other ways in which you can provide an income from your pension fund, namely:

• Unsecured Pension (USP)
• Pension Fund Withdrawal
• Phased Retirement
• Alternatively Secured Pension (ASP)
• Conventional, Impaired and Investment Backed Annuities

Whilst these routes can provide a more flexible approach to receiving retirement income, they may not be for everyone. It is important that you receive professional advice from experienced advisers when considering these alternatives, so speak to us today.

Personal Pension Arrangements

One of the most difficult financial challenges faced by most people is planning for your eventual retirement. We all ask ourselves the following questions throughout our working life:

• Will my pension fund be enough?
• How much income will I need when I retire?
• Can I afford to invest anymore money? 
• Is it really worth it?
• Will the State provide in the future?

and so on...

The list of questions is endless, but two facts are consistent for most people.

1. We all get older, and as a result our earning capabilities become more limited, whether that be due to health reasons or because our skills are no longer required, and
2. We have usually just had enough of working 9 to 5, five days a week

Therefore, as a result,  most people one day decide to retire and in doing so they need a minimum amount of income just to get by.

Where that income comes from is down to what we have managed to achieve during our working life. It is fair to say that the State will/should assist in some capacity (assuming successive Governments do not remove State pensions), but is that really what you want when reaching retirement...just enough to get by?

By looking at what arrangements you have now, and more importantly, what they are likely to provide, will assist anyone in assessing whether there is a likely shortfall at retirement age.

At Ashton Hoyle we pride ourselves on the quality and level of service we can provide in assessing people's pension arrangements. Whether you have a personal/stakeholder pension or a long lost occupational pension scheme arrangement we can find it, review it and offer a clear picture as to where you are on the retirement 'circle of life'.

So for a free initial consultation, please contact us. It could turn out to be the most important financial review you ever have.