Director's Retirement

For some business owners, pensions may play only a part (if at all) in their retirement plans, as they have other assets which will be used to provide an income in retirement. Planning for that day is essential if you want to avoid unpleasant surprises and here we can help!

Pensions however do offer significant tax advantages, and can provide a useful tax planning tool for business owners, but many view pensions as a black hole into which money is poured, with no real understanding of what will come out at the end. There is also a perception of poor performance aligned with high charges.

Some modern pensions, however, offer a real alternative where the individual takes control of his investments, so that with regular reviews there should be few surprises at the end.

Similarly, they open up investment opportunities so that average performance is no longer the default. Also when funds are consolidated, charges can be below normal industry rates.

Specifically we can help with:

• consolidating existing pensions (usually into Self Invested Personal Pensions);
• suggesting alternatives to equity investment;
• using existing funds and loans to purchase property;
• regaining control of your pensions.

Property Purchase within Pensions

• Both residential property and commercial property sectors offer a solid asset base to underpin the value of an investment;
• Property investment offers lower volatility and less correlation to other asset classes;
• In the commercial property sector, long leases provide stability over economic cycles;
• Ringfences asset from creditors.