Your pension is probably your most valuable asset. It deserves proper attention.
Pensions are complex. The range of schemes, rules and options available has grown substantially over the years, and the decisions made around them — particularly at or near retirement — can have consequences that last for decades. In some cases those decisions cannot be undone.
We advise on pensions across all stages: reviewing and consolidating existing arrangements, advising on pension contributions and planning during your working years, and guiding you through the decisions that need to be made when you start drawing income.
What we cover
Reviewing existing arrangements to check they remain appropriate, competitive and correctly invested. Pension consolidation, where it makes sense to bring multiple pensions together. Drawdown structuring — how and when to access your pension, to manage tax and sustain income over time. Defined benefit transfer advice, where applicable and where a transfer is genuinely in your interest. The inheritance tax treatment of pensions, which can make them a valuable part of estate planning. Pension planning for business owners, including the use of employer contributions as a tax-efficient way to extract value from the business.
A note on independence
Pension advice is an area where tied advisers and product providers have their own incentives. As an independent, chartered firm, our only obligation is to you. We will tell you clearly when an existing arrangement is fine as it is, and when it is worth making a change.
Ready to talk?
Call us on 028 9590 9717 or email hello@foursquarefm.com — we are happy to have an initial conversation about your situation with no obligation.