Don't get stung

scorpion 2Don't get caught out by pension scams - read our short post and if you don't talk to us make sure you speak to a Regulated Independent Financial Adviser.

Clifford Osborne Limited is Financial Conduct Authority Authorised and Regulated to give investment advice that is unbiased, comprehensive and in a client's best interest.

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Advice on Early Retirement & Retirement Planning

Clifford Osborne’s Independent Financial Advisors (IFA) offer free pension expert advice on Early Retirement and Retirement Planning throughout East Sussex, including in Eastbourne, Lewes, Seaford, Bexhill, Hastings, Newhaven, Crowborough, Uckfield, Brighton, Hove and Tunbridge Wells. To arrange a free initial discussion at your home, workplace or our offices contact us today.

When looking at early retirement, there are some lucky enough to have an employer-funded or generous company pension scheme and a large part of their required retirement income potentially could be generated that way.

For most people however, the bulk of the money they will have to spend when they choose to stop working will come from their own private savings and investments. Whether using ISAs, Offshore Bonds, a property portfolio, Unit Trust, VCT, EIS, OEICS, cash accounts or indeed pension contracts such as SIPPS, the onus is now on the individual to accumulate a large enough savings pot with which to generate or convert into a secure lifetime income.

Modern personal pension plans are now low charging very useful and tax incentivised structures that can be used to save up money far more quickly that non-incentivised structures due to the extra inputs from HMRC.

Pensions remain one of the most efficient but at the same time most complex ways to save. You no longer have to save in old insurance company schemes with potential high charges and poor choice and you now have far more flexibility to use the pension rules to your advantage. We can use a pension wrapper to hold a portfolio of investments which is then sheltered from tax allowing funds to grow extremely efficiently with the added benefit of being sheltered from inheritance tax, therefore helpful for lifetime and generational planning.

Careful planning to ensure that you are saving enough on a monthly or annual basis is critical. Regular reviews to assess investment returns, inflation, charges, annuity rates and volatility are paramount to keep your target retirement income on track.

There are large differences between the pension rates offered by the differing pension providers and switching providers could potentially increase your pension perhaps by thousands of pounds.

Please contact our IFA’s based in Eastbourne in East Sussex for free pension expert advice on early retirement and planning your pension. We serve clients in Eastbourne, Lewes, Seaford, Bexhill, Hastings, Newhaven, Crowborough, Uckfield, Brighton, Hove and Tunbridge Wells.

Retirement approaching fast and I needed guidance and advice on both my pension pot(s) options and existing underperforming investments.

Mr Clifford was knowledgeable patient and sympathetic to my needs and I never felt pressured or rushed and the advice was clear and concise.

I was kept informed throughout the process by Paul and his team. I feel happy with recommendations made based on my personal circumstances and stated objectives and would not hesitate to recommend Paul and his the team.

Was very happy with the service provided and felt he really listened to my needs, Paul seems to have excellent knowledge and combines this with a no-nonsense approach and friendly personality.

Christopher

Seaford East Sussex

We are not tied to any financial institution and therefore offer you truly independent advice. A free, initial no obligation review meeting can take place at our offices in Eastbourne East Sussex, at your workplace or in the comfort of your home.

If you are considering taking independent financial advice we would love to talk to you. Call us without obligation or complete the enquiry form and we'll contact you as soon as we can.

We are happy to serve clients with any level of wealth.

Call 01323 403 444 or use our secure form via the button below:

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