It is our mission as your Independent Financial Advisers to supply you with the tools to get the most from your pension - and enjoy your retirement. When it comes to getting the most out of your pension, there are 3 main options for you to consider
“I really didn’t understand all of the different options so just used the Pension company suggested by my work. I now realise that this was a big mistake and am much happier with the package that you sorted for me. First class service and really easy to deal with too."
MR F. BROWN, MOTHERWELL
At Affinity Financial Planning we have the expertise to ensure that you get the very best Pension advice.
We offer face-to-face advice across Scotland's Central belt. A member of our team will visit you at home, at our office or at your business and explain the many options available throughout the UK pension market.
Saving for retirement should be a financial top priority for everyone. It’s never too early to start planning for retirement, and in setting up now you’ll have the peace of mind knowing you can support yourself once you’re no longer working.
The amount you will receive in Retirement will depend on the final value of your pension fund and this will depend mainly on how much has been paid in, how much has been deducted in charges and how well the fund’s investments have performed.
If your employer offers a company pension scheme or you have been ‘Automatically Enrolled’ into a workplace pension arrangement then a personal pension scheme may not be the best fit for you.
For more information on Auto-Enrolment, please click here.
If I never use my pension, is my money protected for my family?
If you have a personal pension, and you’re less than 75 years old then in the event of your death your pension will be returned to your family tax free. After 75 it’ll be taxed at normal rate.
How do I arrange a spouse's/partner's income?
We would insure that a dependents pension or a refund of fund is discussed and included in your plan.
How much will I have to pay into my pension each month?
We will sit with you to establish an income requirement at retirement, which would allow us to provide and indicative figure of what is needed to meet that objective
What will I receive in retirement for this money?
Depending on charges, performance, interest and inflation rates. These are all factors an advisor will explain, so you can choose the best package to suit your objectives.
What Pension Company is right for me and why?
By deciding on your own objectives for your pension, we as advisors will be able to source the best pension for you.
Where and How is my money invested?
Attitude to risk and capacity for loss. We will identify appropriate products for you and arrange accordingly.
How good are the Providers service levels?
We ensure that all providers we recommend and 5 star or equivalent.
What are the charges and how are they applied?
There are setting up costs and ongoing management charges. These are all explained befor e you commit to signing up for any product.
I have multiple pensions, should I consolidate them into one?
Only if it benefits your finances, often it can be best to keep 2-3 accounts because they have a low charge to run and perform well.
“I was really impressed by the service delivered by Affinity Financial Planning. I’ll be honest, I didn’t have a clue what organising a pension entailed and Tom took me through the process, explaining everything simply and finding me the best deal to ensure I’d get the most for my money. It was really straightforward, uncomplicated and I’m really pleased with the package I’ve signed up for.“
L. COCHRANE, AIRDRIE
At Affinity Financial Planning Ltd, we work according to strict principles of transparency and trust. Following an initial consultation and Fact Finding process, we research, by use of the most up to date computer software, your identified requirements comparing products, then select and make recommendations based on our research.
Affinity Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. FCA Number 590340. Please remember that the value of your investments can fall as well as rise. Income is not guaranteed and your capital is at risk. Past performance is not a guide to the future.