Pensions and Retirement Planning

Let us give you the confidence to start planning your pension and retirement today

We will guide you step by step through the decision process and myriad of options so that you can make informed financial and retirement decisions that are right for you. We understand that purchasing retirement products such as an annuity, is an incredibly important personal financial decision and so we are here to help ensure you get that right.

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Features

Pensions and retirement plan features

  • Pensions

    We will discuss and investigate with you to find out which scheme is best for your individual circumstances and we will cover all the options available such as:

    • Stake holder pensions - Standard low-cost pensions with a small range of investment options

    • Personal pensions - Access to manage your pension and investment options

    • Self-invested personal pensions (SIPP) - A sophisticated pension allowing the building and self-management of an investment portfolio

  • Retirement planning

    During our initial consultation we will work with you to understand your financial goals and take the time to gather all the information needed to implement the right long-term solution for you. Our advisors can then help you select the best option to turn your pension into a retirement income, which includes:

    • Standard choice annuity

    • Income draw down

    • Fixed term annuity

    • Investment linked annuity

    Whether you want to retire with a lump-sum, monthly or yearly payments, or re-invest for your family we will find the best the annuity rates for you to ensure you are able to achieve your financial goals.

  • Matrimonial departments

    Our technical and actuary managers are on stand-by to advise on all financial areas in divorce, particularly the implementation of pension sharing orders and the legal assistance to facilitate this.

FAQs

Pensions and retirement plan FAQs

Does a pension have any effect on my state benefit?

A personal pension in no way effects your state pension. As a tax paying citizen you are legally entitled to this regardless of your financial situation.

Will I receive all my paperwork for reference?

Two copies of every piece of paperwork will be mailed out to, once copy for you to check, sign and return and the other copy for you to keep for your records.

What happens if my situation changes?

For simple amendments to your details our advisors can implement and confirm these over the phone. For larger changes that may directly or in-directly affect your investments and pensions we suggest you arrange a meeting with your Towergate advisor as soon as it's convenient.

I'm very busy and don't have much time for planning my weekend, let alone my retirement!

We aim to make the whole process as simple as possible at every stage. We can plan the initial consultation with you at your place of work or find a convenient time to call and go through the process with you over the phone. We can guide you through and oversee all of the paperwork to make sure it's completed properly and handle all the admin with the pension provider. As independent trusted advisors we pride ourselves in making the whole process as clear-cut and simple as possible.

Service

Pensions and retirement plan service promise

At Towergate our trusted advisors can provide you with the skills and choices to implement your own financial strategy, from inception through to execution. We do this by strictly honouring our service promises.

  • To understand the customers' needs and to listen and reply in simple and concise English, without the use of jargon

  • To remain transparent, upfront and forthwith regarding our costs and fees

  • To present clear documentation outlining our services

  • To offer only those services that meet your needs and financial objectives

  • To present written confirmation of our recommendations

  • To provide a worthwhile service for life

  • To listen and act swiftly to criticism

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