{"id":1898,"date":"2015-10-16T16:16:04","date_gmt":"2015-10-16T15:16:04","guid":{"rendered":"https:\/\/wordpress-638995-2240450.cloudwaysapps.com\/?page_id=1898"},"modified":"2023-03-30T14:26:08","modified_gmt":"2023-03-30T13:26:08","slug":"frozen-pensions-advice","status":"publish","type":"page","link":"https:\/\/cliffordosborne.co.uk\/frozen-pensions-advice\/","title":{"rendered":"Frozen Pensions Advice"},"content":{"rendered":"

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Frozen Pension Advice in East Sussex<\/h1><\/h1><\/div>
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We offer pension advice, including advice on Frozen Pensions in East Sussex. We are based in Eastbourne, and serve clients in\u00a0Lewes, Seaford, Bexhill, Hastings, Newhaven, Crowborough, Uckfield, Tunbridge Wells, Brighton and Hove.\u00a0To arrange a free initial discussion at your home, workplace or our offices contact us today.<\/p>\n

Why Bother with a Frozen Pension?<\/h2>\n

The reality is that all pensions\u2019 plans and charges vary and some are better than others. Many pensions taken out over five years ago can represent poor value now and many people can improve their position by moving to a more modern, flexible, lower charging and potentially better performing plan. <\/strong><\/p>\n

The single biggest improvement that can be made to a pension pot is a reduction in charges. Many older style pensions have higher charges imposed to cover the assumed cost of a financial adviser visiting every year and reviewing a person\u2019s circumstances. The reality is that in most cases these visits did not happen, so if you have not had a visit to review your pension then chances are you may be paying for a service you are not receiving.<\/p>\n

The charges that you pay your pension company every year are one of the key factors in determining how much your pension will be worth. Modern pensions usually have lower charges and a pension review will determine whether you can save money on your charges.<\/p>\n

Following changes introduced in April 2015 you now have more choice and flexibility than ever before over how and when you can take money from your pension pot under the flexi-access drawdown rules.<\/strong><\/p>\n

Take your time to understand your options, and get help and independent financial advice as what you decide now will affect your retirement lifestyle and income for the rest of your life<\/strong>.<\/strong><\/p>\n

Saving for a pension takes a very long time and is vitally important for our old age. By the time most people retire in late middle age, it is highly likely that they will have had several different jobs.<\/p>\n

When someone leaves a job to go elsewhere, they will typically stop paying into their company\u2019s pension scheme and start paying into one with their new employer.<\/p>\n

The pension scheme left behind is then \u201cfrozen\u201d as you are unable to contribute any further funds to it. Also known as occupational frozen pensions and preserved pensions, frozen pensions are \u201cfrozen\u201d until the person reaches retirement age.<\/p>\n

We can review your current circumstances and the potential to make your pension work more efficiently for you, even without you paying more into it!<\/p>\n

If you require assistance regarding a frozen pension or a personal pension plan you have stopped contributing into for whatever reason, Clifford Osborne Independent Financial Advisors can help without initial cost or obligation. We serve clients across East Sussex in towns such as\u00a0Eastbourne, Lewes, Seaford, Bexhill, Hastings, Newhaven, Crowborough and Uckfield.<\/p>\n

Our advice will include any costs involved in transferring your pension if this is the best option and the final decision whether to go ahead is entirely up to you.<\/p>\n<\/div>

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“I saw Paul for Pension advise. He was very pleasant, used language I understood and I felt at ease to ask questions and get all the information I required. I never felt rushed or pushed towards one product. Thank you.”<\/p>\n<\/div><\/div><\/blockquote>

Anonymous<\/strong>, East Sussex<\/span><\/span><\/div><\/div><\/div>
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View All Our Testimonials<\/span><\/a><\/div>
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Don’t Get Stung<\/h2>\n

Don’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.<\/p>\n<\/div>

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Read More<\/span><\/a><\/div>
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Pension Monster<\/h2>\n

Enter some basic information and Pension Monster will create your tailored report which will show you some popular retirement options, and some product solutions. You can print off your report or email it to us when you are ready to get some advice. What\u2019s more \u2013 It\u2019s free to use.<\/p>\n<\/div>

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Find Out More<\/span><\/a><\/div>
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Your Advice Steps<\/h2><\/div><\/div><\/div>

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Contact Us<\/h3><\/div>

Call us on 01323 403 444 or contact us<\/a> to set up a free initial meeting with one of our financial advisers or mortgage and equity release advisers. We\u2019re happy to meet in person, on the phone or online. Just let us know what you prefer.<\/p>\n<\/div><\/div><\/div>

02 \u2794<\/h3><\/div>

Get to know you<\/h3><\/div>

This will be a chat to find out a bit more about you, what your financial position and goals are and how we can help. This will be entirely confidential, and you are under no obligation to use our services. We will then give you a plan of what we can do to help.<\/p>\n<\/div><\/div><\/div>

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Sharing your plan<\/h3><\/div>

Our advisers will talk through our recommended plan with you giving options to best meet your needs. We will take into account your current financial situation, your goals, appetite to investment risk and timeframes. You will have a chance to ask us any questions and then decide whether you want to go ahead.<\/p>\n<\/div><\/div><\/div>

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Regular reviews<\/h3><\/div>

Your financial position will change throughout your lifetime. We are here to help you with regular reviews to make sure your financial plan meets your financial goals and current financial situation. We\u2019ll agree with you when and how we meet on a regular basis to make sure your management plan is right for you.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n

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