Tax efficient saving

Our financial services partners can advise you as to which is the best pension for you. They can review your current policies, rationalise your affairs, and make sure that your pension plans match your long term personal objectives.


Sound pension advice can form a significant part of your retirement planning, but also bring tax relief.

Quality assurance

However, the rules seem to get more and more complicated. Good thing we can guide you through them. And we can  explain the tax side of things too, such as the  reliefs that may be available. And that certain company pension schemes provide tax-free environments for capital growth.

What we can do?

We work with a number of pension advisors (IFA’S) and can make introductions. We would often confer with them to ensure their advice is in sync with your retirement plans.

How much is it?

The pension advisor will charge a fee, normally based on an hourly rate and/or the amount to be invested.


Why should I get a pension? Pensions are not only a form of saving for your retirement, but also can provide a tax-free lump sum pay-out.

What’s auto-enrolment? Auto-enrolment is a type of pension scheme employers must offer to employees, with both employer and employee making contributions.

What’s salary sacrifice? This is where you give up salary to take another form of remuneration: in this case, pensions.

What happens when I retire? Once money is in a pension it has to stay there (in most cases) until you’re 55. At that point out can take out 25% as a tax-free lump sum; and you can take the remainder as much as you like, when you like: but beware the tax consequences!

What’s a SIPP and a SSAS? Both are registered pension schemes. They  have similar contribution and benefit rules for both individuals and companies. A SIPP is a type of personal scheme, whereas a SSAS is a pension scheme (generally) for small employers. Both are allowed to invest in commercial property. A SSAS can make a loan up to 50% of the value of the scheme’s assets back to the employer; both can borrow up to 50% of the fund’s value.

Key points

  • Take advice

  • Pat of retirement planning

  • Tax breaks

Get in touch for a free meeting

We’re here to help. If we can’t help directly, we probably know someone who can. All you have to do is ask….