Specialists in pension and retirement planning

Pension Planning is a complex area, and because of the long-term nature of the investment and the potential to make considerable gains or losses, it is essential that you receive professional independent advice. Not all independent financial advisers (IFAs) are experts in pensions, so it is important that you speak to advisers who specialise in pension and retirement planning. Wynchwood has advisers with the specific qualifications needed to give you appropriate advice; for example, advising on the “flexibility” rules for over-55s (over-57s from 2028) which took effect from 6th April 2015 or Final Salary Transfers.

As well as general advice on personal pensions, company pension schemes, additional voluntary contributions and pension contribution limits, we can also advise on more specialist areas of pensions such as:

Self-invested Personal Pensions (SIPPs)

Traditionally thought of as being for the more experienced and confident investor, SIPPs offer access to a wider range of investment options. SIPPs are however becoming a more popular option for all kinds of investors.

Property purchase

We can help people to purchase commercial property using their pension funds.

Group Schemes

We have over thirty years’ experience dealing with group pension schemes and have developed a simple and common sense approach to dealing with the problems that arise for scheme members, employers and trustees.

Pension transfers or switches

In certain circumstances there can be benefits in transferring or switching from one pension plan to another, provided it meets your objectives.

Retirement pension planning

There are many options open to an individual at retirement, including Annuities and Drawdown.  The area can be quite complex and advice will help them achieve their goals in a tax efficient manner.

Investors who already have a personal or stakeholder pension should regularly review their arrangements. This review should take account of any change in circumstances, financial goals or aspirations, the investment strategy and should also look at new products which have become available, in particular those which offer greater flexibility in taking benefits under changing rules.