Archive for the ‘Pension Specialist’ Category

Why Should I Seek Advice From A Pension Specialist?

Friday, May 6th, 2011

If you are looking to build a secure and stable retirement for yourself and your family, it is important that you obtain professional advice from a pension specialist.

pension specialistThere are many different types of pension available, and many different options to take when you are considering retiring.

The government has increased the choices open to you since the introduction of conventional pension annuity alternatives, and the ability to release your pension.

Although we think that this increase in options is a great thing, it can lead to people becoming overwhelmed with information and no clue as to which is right for them.

Confused?

We know that the financial market is not particularly user friendly, which is why at Pensionlite we offer impartial financial advice in everyday language.

We don’t want you to leave us completely bamboozled and feeling no better off than when you arrived.

Our team of pension specialists are highly qualified and experienced in delivering top quality advice in your language and in writing – we are human after all!

It is important that you seek this advice from a pension specialist because choosing the right or wrong pension plan can have a significant impact on the quality of your life during retirement.

Taking the time to consult with the experts (that’s us!) will be extremely rewarding, and should boost your annual pension income.

More and more people are looking to end their employment earlier, and enjoy what retirement is able to offer for a much longer period of time.

This makes your pension and retirement choices all the more important, as the fund you have established so far has to sustain your lifestyle for many more years.

It is absolutely crucial that you obtain the correct pension plan for you, and build up an adequate pension fund to enjoy financial security later in life.

As each individual hopes to achieve different things from retirement and has led a completely different life so far – it is important that the advice you seek is bespoke and from a pension specialist.

No two sets of pension advice should be the same, so ensure that your personal circumstances are taken into consideration when you are looking at your pension. Off-the-shelf advice is useless to anyone who takes their retirement seriously.

Contact Pensionlite who are committed to providing tailored financial advice from real pension specialists.

There are many reasons you might be looking for pension advice and guidance; you might be looking for your first pension plan, or you might be concerned about the fees or investment performance associated with your current providers, or you might be looking to release some capital from your fund, whatever the reason, it is essential that you discuss the options available to you with a pension specialist.

Pensionlite can help.Our Free, Independent, No Obligation Pension Reviews are designed to put you in a position of knowledge before you make any decisions.It will not cost you a single 1p to accept a pension review & recommendation report tailored to you, your circumstances and aspirations.

What have you got to lose?

Pensionlite carries the prestigious status of Chartered Financial Planners.

Our Chartered status, granted by the Privy Council, is our industries gold standard for financial planners and is currently held by less than 300 firms across the country.

This status brings with it serious obligations to ensure the advice, service and ongoing support we provide for you is of the highest quality, based solely on your researched needs and provided by someone of appropriate competency.

We offer whole of market choice and have no links or ties to any single business or organisation. Our aim is to provide our clients with tailored solutions, created by advisers with particular skills and specialist qualifications.

Our advice process is always to gather a full understanding of our client’s needs, circumstances and aspirations together with detailed analysis of any existing arrangements and make written recommendations before any decisions or actions are taken.

We provide free, independent, no obligation review and recommendation reports covering all aspects of our specialist areas of work. Knowledge is power and unless you know, how can you decide on a course of action.

We look forward to being of service.

To speak to one of our pension specialist contact us now by telephone 01952 279 379, or e mail enquiries@pensionlite.co.uk.

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Why It Is Wise to Seek Advice from a Pension Specialist

Friday, January 21st, 2011

There are multiple pension plans on the financial market, some with their own unique features. While the range of options is undoubtedly a good thing, it can lead to some confusion as to which pension plan is best suited to your retirement needs, particularly when the relative complexity of pension plans is taken into account.

Seek Advice from a Pension SpecialistThe difference the right pension plan can make to the quality of your retirement life is significant, which is why taking the time to consult a specialist independent pension adviser firm like Pensionlite, who are regulated and authorised by the Financial Services Authority (FSA), is a sound decision which enable you to identify and secure the correct pension.

Many people are opting for early retirement to enjoy a longer period of time in which to realise all their unfulfilled aspirations or to fill the gap that the recession may have created.

In order to enjoy true financial security it is crucial to secure the correct pension and build up a good sized nest egg. The exact details of every person’s pension plans and retirement strategy are different due to being organised in accordance with their personal aims and financial situation.

Whether you plan to travel, indulge your personal interests or invest money in the wide range of business ventures open on the market, the right pension should be able to accommodate your needs. If you want to check values, influence transactions or switch some funds on line from anywhere in the world then you should be able to.

If you get to the point when it’s right to access some benefits in the form of cash, income or cash and income then you should be able to do it without moving funds and in a matter of days, then you should be able to.

If you want a wide range of investment funds including all of the top performers and be able to switch between funds for free, then you should be able to.

If you want to e mail or speak to the person looking after your plan, then you should be able to.

If you want your pension reviewed every year to make sure it is performing and providing good value for money, then you should be able to.

At Pensionlite we specialise in pensions so do not get distracted by the need to transact lots of different things. Our friendly and helpful staff are always on hand to assist you so if you are looking for a home for your pension which provides excellent value for money and be supported by experienced people look no further than Pensionlite. Contact us today.

www.pensionlite.co.uk e mail support@pensionlite.co.uk or tel. 01952 279 379

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Is it worth seeing a pension specialist?

Saturday, October 23rd, 2010

Pension plans can vary greatly in quality and effectiveness, depending on how well they are set up. To give an idea of the difference, the best pensions can—for the same people—generate over 300% more pension income than the worst would.

So one reason for consulting a pension specialist is that, clearly, when it comes to your pension, it is vital to know what you’re doing. With people now able to, should they wish to, enjoy longer retirements than ever before, choosing the right path for your pension will hugely benefit your standard of life for many years to come.

If you are savvy with your pension arrangements, then your retirement will be a worry-free reward for the time that you have spent working hard. And that doesn’t have to mean you’ll slow down; with the right pension you’ll be able to do all of the things you’ve been wanting to do for years.

Pension Lite - Pension Plan Advice

You are, of course, perfectly free to look into any number of pension options for yourself, and we’d certainly advocate becoming well-informed on the topic. However, if you are short on time, you may not be able to conduct a full survey of the possibilities open to you, and might even be tempted to make hasty choices, which could work against you in the future.

In this case, it would certainly be worth your while consulting a pension specialist to save you time, and , ultimately, lots of money. Similarly, you may simply lack the inclination to pore over details of various pension schemes, when, after all, you’re busy and have plenty of other things to be getting on with.

Also, for the uninitiated, the world of pension plans and investments can be pretty complex and hard to get to grips with—that’s not intended to be patronizing, it’s simply a recognition that not everyone is as interested in pensions as we are!

Without extensive experience in the area, and with numerous different options clamouring for your attention, it can be hard to determine the best course of action; and the best course of action may well be significantly different for your individual circumstances than for the circumstances of many other people you know.

For these reasons too, turning to a pension specialist financial adviser for help can be very worthwhile. Indeed, ‘individual circumstances’ are vital, since there is really no ‘standard wisdom’ for how you should approach your pension; it depends upon a number of aspects of your personal situation, and also your attitude towards investment.

For this reason, consulting an Independent Financial Advisor (IFA) such as ourselves is also much more valuable, as, since we are not tied to company(s) in the same way that other Financial Advisors are, we are able to consider all the options on the market and recommend the best for you.

We conduct proper ‘fact-finding’ to ensure that we thoroughly understand your needs and preferences, while saving you countless hours. You can get in touch right now to speak to a pension specialist for a free, no obligation and independent review of your pension arrangements.

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Do you need advice from a Pension Specialist? Contact Pensionlite.

Thursday, September 9th, 2010

Pensionlite are an independent financial advisor firm who provide top quality pension reviews, pension release, pension transfers, retirement options, annuities and investment reviews.

Pensionlite have complete access to the whole of the marketplace, allowing the provision of top quality pension advice from friendly pension specialists. Pensionlite can offer you specialist and expert advice customised to your every need and circumstance to demonstrate how to make your pension perform to its full potential.

Many people are concerned with the cost of professional advice from pension specialists which is why Pensionlite offer a completely free review service with no obligation.

If you are over 10 years away from retirement and have an investment worth over £15,000 it is well worth receiving specialist pension advice to establish whether transferring any funds would be beneficial.

Your current pension provider could be not working your investment as hard as you would like, or they may well be performing to the best of its ability, but there is only one way to find out.

Any advice provided by Pensionlite is of no obligation and merely recommendations to ascertain whether your pension is performing and whether your retirement plans are realistic.

Over recent years the charging structures of pensions have changed significantly due to the introduction of government schemes such as the stakeholder pension. These benchmarked plans have drastically changed pensions and people’s attitudes, but as some people are still unaware of these schemes you could find yourself paying over the odds for your pension contract.

It may even be possible to transfer your pension to a different plan, but keep the same provider.

There are many personal circumstances which can affect your pension, so contacting a pension specialist is always worthwhile if you have been divorced, changed employment, have multiple pensions or have a company pension with an employer that has ceased trading.

Pensions can be particularly difficult if you have been through a divorce as many factors are taken into consideration, such as earmarking, offset, and pension splitting – which has become a popular option.

The government have introduced a new law protecting spouses if they remarry and have taken the pension splitting option so they do not lose out.

Alongside offering pension reviews and advice, Pensionlite are a pension release specialist firm who could help you achieve up to 25% of your pension tax free. You should be aware that releasing some of the equity of your investment will reduce the amount received when you retire.

Pensionlite can offer specialist advice to help your manage your pension, release some of your equity and ensure that you are not left struggling in your retirement.

The size of your fund will establish the size of the lump sum you are able to release and identify the maximum benefits you are entitled to. You must be over the age of 55 to consider pension release, and some pension schemes will not allow you to release any equity so ensure that your seek advice from pension specialists before you rush into any life changing decisions.

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