Retirement Planning, Pension Transfers & Advice
IBC are widely regarded as specialists in the area of Retirement Planning and work closely with professional partners to provide solutions for our own clients and those of our partners.
At IBC, we believe retirement planning is essential when considering your wealth management and tax planning strategy no matter what stage of life you are at. Paying contributions to a pension scheme is one of the most tax efficient methods of saving whether it is through personal contributions or contributions from your employer.
We can offer you professional pension advice with regards to making a pension transfer. An effective pension transfer could benefit you by giving you earlier access to money saved through a pension scheme, and avoiding a huge chunk of disposable income very late in life.
Funding for retirement and achieving the most from your retirement are crucial steps in successful solution planning.
We offer bespoke advice across the whole spectrum of retirement planning, including:
- Retirement funding and remuneration strategies
- Pension fund consolidation
- Occupational pension scheme transfers
- Pension fund investment strategies
- Commercial property purchase
- Flexible income strategies
- Phased retirement
- Guaranteed income options
- Lifetime Annuities
- Impaired and Enhance annuity purchase
- Defined Benefit Pension Transfer
Our personalised service from initial consultation through to implementation has been structured to ensure that you are involved throughout the decision making process and fully informed of the advantages and disadvantages of the options that are best suited to your retirement objectives.
Following implementation it is important that your retirement plans are reviewed regularly to ensure that your financial requirements continue to be achieved. As part of our continued relationship with you we provide regular reviews of your overall wealth base including retirement funding.
Many people have not made retirement provision simply because either they don’t know enough about pensions or have not been able to afford contributions to a pension. Pensions are a very tax efficient way to save for your retirement where personal contributions are enhanced by our Government. Pension planning is a pivotal part of your financial planning and advice should be sought in this area.
Whichever route you choose, we can offer you a choice of funds into which the pension contributions can be invested. We will be able to guide you through the options available and help you choose the right solution and we can also review any existing or preserved pensions to optimise returns in retirement.
It is never too late to start a pension, learn how you can benefit from tax relief on your contributions plus access up to 25% tax free cash at retirement and invest your pension into a range of investment funds.