"I have known David Henderson for seven years and during that time, he has had full control of my financial investment portfolio through retirement and the consequences of adjustment to widowhood. I have never had any cause to doubt his skilled advice and commitment. This has been delivered through a friendly and totally reliable relationship. I have regarded him as a trustworthy friend and in terms of the financial manoeuvres, his practical adjustments have (thus far in a volatile world!) all been safe and successful. He has been helpfully reassuring at times based on an extensive knowledge of theway the markets and global economy works I find this very educational. I have recommended his services to several friends all of whom have commented most favourably after his input totheir finances."
Personal Pensions Advice
A Personal Pension is an arrangement made in your name, over which you have personal control. You can alter your contributions, suspend them, or stop them completely.
These products represent a popular and attractive way to save for your retirement and can be used by anyone regardless of other pension provisions they might already have in place, for example a workplace pension.
All monies invested into your personal pension fund grow free of capital gains tax, and the contributions you make are enhanced by income tax relief at source. For example, if you invest £80 each month, the Government will add tax relief on this contribution (currently 20%), and enhance your total contribution to £100!
You can also claim additional relief through your PAYE coding, if you are a higher rate taxpayer.
Everyone has an annual allowance for their tax-free pension contributions. Currently, this is £40,000.
Personal Pensions usually offer a range of investment mediums to suit your attitude to investment risk, and you can change your investments at any time. When you decide to take benefits from your personal pension fund, there are a range of options to choose from; such as purchasing an annuity or selecting capped or Flexi-access Drawdown. One quarter of your accumulated fund can be withdrawn tax-free when you retire; from age 55 or above.
Stakeholder Pensions
These are similar to personal pensions but have their charges capped at 1.5% for the first 10 years, reducing to 1% thereafter. Whilst Stakeholders are generally considered to be less costly than a Personal Pension, your available investment choices might be restricted. Therefore, a Personal Pension might represent better value for you.
Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change therefore the tax treatment of pension benefits can and may change in the future.
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We have the benefit of many years spent advising doctors and dentists and guiding them through financial planning for protecting the family, savings and investing for the future, retirement, and the complex tax issues that can arise. -
There are many different ‘tools’ that help you save for retirement, and the taxation and investment elements of each can appear baffling. We explain, recommend and monitor pension products for you, putting you in control of the choices that will achieve your goals. -
Our mission is to use our knowledge and skills to provide unbiased financial advice, so that you can face the future with increased confidence regarding your financial position today, and the financial security of your family in future. -
Every investment carries some element of risk, which is why we reflect risk management in the financial planning we provide for clients. We work with you so that you are financially well organised, aware of your current and likely future financial position, and therefore remain in control of the choices you make. -
Buying a property can be stressful and time consuming at the best of times, and for some borrowers finding and selecting the most suitable mortgage for them can be a contributory factor. Working with us means that you’ll benefit from informed advice from the outset, backed by up-to-date financial intelligence, and years of practical experience.
