Helping you plan financially for the future you’d like to see.

Unbiased advice in a relaxed setting, without jargon or hidden agenda.

Experienced advisers based in the heart of Glasgow.

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.

Having worked alongside IBC for several years now I find them to be very professional in their dealings with my clients. My clients in turn have confided in me that they too have found IBC to be extremely professional in their dealings with them, and that they would not hesitate to recommend IBC to their family & friends when requiring financial advice.

— Colin Grant IFA , True Potential Wealth Management

Since the beginning of our relationship with IBC they have been friendly, approachable and highly professional in dealing with our clients. Our advisers have referred a number of clients and they have been very comfortable in their meetings, fully understand the advice they are receiving and have most importantly felt looked after. IBC’s professional relationship with us has been very much a partnership, even though IBC are giving the advice, they are keen to understand the relationship we have with the client to ensure everything goes smoothly and the client and client relationship remains at the heart of everything we do. Highly professional firm and we would recommend IBC to any firm requiring outsourcing needs.

— Craig Dougan DipFA , Rutland Independent Wealth Management LLP

We have been working with Ken and his team at IBC for a number of years now, especially so since Pensions Freedoms arrived. I have found the experience to be very satisfactory. They put the client’s needs front and centre as we do and work with us as the introducer in the clients best interests. We value the high level of professionalism and service that we and our clients experience. They insist as, we do, in meeting the client face to face to ensure that they really understand the clients concerns, goals and aspirations.

— Peter Trainor, MD, Opes Financial Planning Ltd, Troon

We at Gill Financial Services Ltd have been using IBC as our Pension Transfer Specialists for around 3 years now and have been delighted with the service and knowledge of the Advisers that we have used. I have known Ken Simpson personally for around 8 years having had dealings with a local Oil Companies pension scheme where Ken was looking after the overall scheme and we were dealing with individual members. Ken shows a great knowledge of the Pension Transfer market and shows great passion & connects with our clients at whatever level of experience they hold making sure that he pitches to them at the appropriate level. They have a great backroom team in Glasgow who make sure that all the Admin is taken care of.

— Roy Gill IFA - Gill Financial Services Ltd