Which Pension
Pension Planning Areas
Recognising the importance of providing a wide-ranging service which takes account of all aspects of your financial affairs, Brian McLean is able to provide a valuable service in most areas of financial planning.
Because of the high level of qualification gained over many years and additional authorisation as a Pension Transfer Specialist, advice can be provided on a wide range of retirement options, including:
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Personal Pensions
A simple and effective way of savings for you retirement. A review of your existing arrangements will help to ensure that you get the very best value from your pension savings in a tax efficient way.
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Self Invested Personal Pension (SIPP)
For those who require the highest level of control over the investment strategy of their pensions, especially those who wish to include commercial property and direct shares in their fund.
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Capped Drawdown
Suitable for those who feel comfortable with investment risk and wish to have flexibility in their income provision and death benefits, deferring their decision on buying an annuity.
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Flexible Drawdown
This new option is similar to capped drawdown but allows you to withdraw unlimited funds from your pension arrangments (subject to income tax) providing you meet a minimum income requiirement.
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Annuity Purchase
Most suitable for those who need security and stability in the form of guaranteed income.
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NEST
All employers will be affected when the National Employment Savings Trust (NEST) is introduced in 2012 making the provision of work based pensions compulsory.
Retirement Planning is rarely about looking at one sole aspect of your financial affairs and often requires a 'holistic' approach. The benefit of the having a no-obligation initial meeting is to provide an opportunity to analyse your current financial position and consider suitable solutions to achieving your goals and objectives.
The latest cutting-edge technology is used to analyse pension fund performance and product design to ensure that any recommended financial solutions are appropriate and cost effective.
For more information and the opportunity to make an enquiry, click on the'additional pages' on the left hand side of this web page.