Our service differs from others simply because we don’t set out to recommend any particular course of action or type of pension arrangement. Instead we take time to understand your individual financial circumstances in absolute detail, then analyse them in line with your retirement ambitions.  

Only then will we discuss particular pension options relevant to you and your family, ensuring your retirement objectives can be fully and fiscally achieved.   

Following our recommendations, we’ll create a plan to regularly review your arrangements taking into consideration changing regulations and market forces to ensure you maintain your full financial advantage.  

“There is no better option than a pension from a tax relief and tax friendly investment perspective. By fully understanding your retirement goals, that’s what we can achieve for you.” 

What we do recommend is that you consider preparing for retirement as soon as you can.   

Importantly, we see retirement not as an end of life process but as the start of a new life where you can explore your hobbies, interests and passions for many years to come. And this requires long-term planning.  

We have encountered cases of people with wealth who defer pension planning in the belief that their investments or business will see them through to an early, fulfilling retirement.  

Whilst these two factors may, at some point, generate a sizeable cash windfall, only an expertly constructed, tax efficient plan can truly secure the level of regular income you need to fully realise your retirement ambitions.  

And that’s where Smith Cooper IFS is perfectly positioned to help. 

A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Taxation information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.