Retirement Planning

Personal Pensions

There are many different options to consider when choosing a personal pension and it makes sense to take advice from a qualified pension specialist.

Our pension review service is designed to assess the impact legislation changes have on your retirement planning and detail any new opportunities available.

Pensions are among the most tax-efficient and effective ways to save for retirement but working out how much to save and deciding on which pension requires the help of a pension expert. A poor performing pension can reduce your retirement income considerably but with a well-funded and properly maintained pension fund, there's no reason why you shouldn't enjoy a well-earned retirement.

Golding & Co specialise in retirement planning and can guide you through the various options.  Based on your individual circumstances, we can identify the most appropriate retirement plan for you.

Your Choices at Retirement

When you retire, you can buy an annuity to convert your pension fund into income, which is guaranteed to pay for the rest of your life.

It is important to make the right choice between the different types of annuities.

You could also choose to create an income from an Unsecured Pension such as an Income Drawdown Account. Although this carries greater risk, for some clients it is an attractive alternative to annuities.

Golding & Co aim to provide a detailed and clear explanation of the choices available and how they affect you, or your beneficiaries in the event of your death.

We will provide you with quotations, which will illustrate the options on offer and guide you through the options.

Income drawdown is only suitable for a limited number of people as it carries significant investment risk, as your future retirement income remains totally dependent on your pension fund performance.

Please complete an enquiry form and we will contact you.
Alternatively call our office on 01394 446133 for a preliminary discussion.