Pensions

Delaying your income today until your selected retirement tomorrow, is how we view Pensions.

Here at Salus Financial Solutions, we incorporate Pensions within our Retirement Planning Solution.

What's the difference?

Our experience, and industry legislation changes, suggests that a large tax-free lump sum and a decent income for life are by no means guaranteed simply by starting a pension and then forgetting about it; you need to review it as a working relationship!

Within our Retirement Planning solutions, we look at the bigger picture in how planning for today affects how you will retire tomorrow, closely looking at what choices you can give yourself when the time arrives.

We understand that for over 40 years you have earned an income and if fortunate, may have saved some money from this. However, when the time comes to start enjoying an income from your savings, you may feel uncomfortable drawing from the saved pots without replenishing them.

Like most changes in life, your commitment and attitude towards retirement may change over the years and we want to be with you along the way. After all, its expected that we can live a third of our lives in retirement, so let's help you enjoy it.

Areas of Retirement Planning we can advise on;

  • The impact of Pension Simplification in 2006
  • Personal Pensions including pre 1988 schemes
  • Stakeholder
  • S2P ( SERPS)
  • Company schemes - Salary Sacrifice
  • Group Personal Pensions
  • SSAS and SIPPs
  • Auto Enrollment ( due 01/10/2012)
  • Income Drawdown
  • Phased Retirement
  • Alternative Secured Pension
  • QROPS - overseas expat pensions

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The Financial Services Authority does not regulate taxation, tax planning or trust advice. Levels and bases of, and reliefs from, tax are subject to change.

Salus Financial Solutions is authorised and regulated by the Financial Services Authority (http://www.fsa.gov.uk/register/home.do). FSA Registration No: 536575