PLANNING FOR RETIREMENT
Everyone needs to plan for their retirement. People are living longer and healthier lives, so it’s even more important to think about how and when to save for retirement and how long to continue working.
Pensions can be confusing and many people don’t know where to begin, especially when there are so many other things to spend your money on. But the truth is that a pension is one of the most effective ways to save money, because you can get tax relief on the money you save in a pension scheme. So, if you do a bit of planning, you can really help yourself get ready for retirement. Making changes now can make a difference to your life in the future. The earlier you start, the better, but don’t assume you’ve left it too late to make decisions about your pension arrangements.
At your selected pension date, you’ll have a number of options to choose from. You don’t have to make these decisions until you’re approaching retirement, when you may want to discuss your options with your financial adviser.
You will have a number of different choices depending on your health, the size of pension pot you have built up, the type of pension you have and how old you are. You don’t have to
buy your retirement income (typically an annuity) from your pension provider. Researching the market to find what is called an ‘open market annuity’ could boost your retirement income significantly.
Our aim is to make your life easier
As Independent Financial Advisers (IFAs) we provide impartial, unrestricted advice that considers every option on the market, so we are free from bias and able to work in your best interests.
We are are directly authorised and regulated by the Financial Conduct Authority, and we provide advice most suited to your personal requirements. We aim to make all this easier for you.
We work for you.
You are at the heart of everything we do.
You can be confident you are being looked after by our long established company with full qualified, experienced advisers.
Our advice and recommendations are personally designed and tailored to meet your specific needs and aspirations.
You are provided with clear, understandable information throughout your dealings with us.
When you deal with us, it is not a one of transaction, we would like you to become a client for life, with regular reviews of all aspects of your financial planning.
That’s how we do it.
Individual & Corporate Financial Planning for
- Business Protection
- Retirement Planning
- Individual Savings Accounts
- Estate Planning
Why Choose Us
We are Independent, we work for you
We have three office locations in North Essex for you to visit
We have been providing advice to our clients since 2002
We have a fabulous support team ready and willing to help you
What Client’s Say
Pat was very professional, helpful and patient from start to finish, answered all my questions and made sure I understood everything before signing the papers regarding the remortgage. He was searching for the different insurance quotes for me until the most suitable one was found, and once again made sure I was happy with everything before submitting the final application.
I found Patrick Ambrose to be one of the best financial/mortgage advisers I have ever met, and I have met a few.
From the initial consultation to the completion of buying our new property, Pat has been really excellent and supportive, not just on the products he has shown us but being able to speak to about any questions we had throughout the whole process. He also helped us get the best policy not only on our mortgage, but also on our life insurance.
I would highly recommend Pat to anyone needing financial advice, or who is buying a home as his service is second to none.
I was passed Patrick’s details through a very good friend of mine for his help with a remortgage and life insurance policies to suit. Patrick is very knowledgeable in his field, always up front with details of how he can help and on the phone or email keeping you up to date with any progress. The process from my first meeting with Patrick to completion was smooth and uneventful which was great. Patrick comes highly recommended and we would not hesitate to use him again or pass his details on to anyone that requires mortgage or insurance help.