Our retirement planning strategies include using all of the retirement solutions available within the market today. This includes stakeholder pensions, personal pensions and self invested personal pensions (SIPPS) to name just a few. Feel free to contact us to discuss this issue with us further.
How do I appoint Alpha Financial Management to discuss my retirement planning?

Firstly contact us using the enquiry form below or call us on 0151 949 1666

Our fee guarantee: You will not pay any fees unless we can help you.

You will be appointed your own dedicated Independent financial adviser specialising in pension planning.

We have a vast amount of experience in dealing with pensions for both individuals and companies and we have advisers who specialise in advising on retirement planning and the huge choice retirement options available in the market today. Whether it is a Stakeholder Pension, Personal Pension, Self-Invested Personal Pension of Company Pension Scheme, we are able to help and advise in this area.

Pension legislation has changed dramatically over recent years and careful thought for people still working and even approaching retirement age is important to make sure the right decisions are made to get the most from your pensions. For those who are still saving in pensions it is really important to make sure your pensions are working hard for you. Pension charges have reduced over the years and modern pension plan charges are a lot lower than they were in the past, whilst offering a larger choice of different funds from the leading fund managers including some of the leading unit trust houses.

We often advise people with existing pension funds, this is called our ‘pension review service’. This situation could arise from having different pensions with different employers over the years, whether they are private pensions, company pensions or a mix of the two. You can consider transferring your pension benefits to your new employer's pension scheme or to a personal or stakeholder pension.

When reviewing existing pension funds we consider:
Is the funding level adequate?
Is the investment risk appropriate, particularly as you get older?
Is the investment performance competitive?
Are the charges offering good value for money?

How do I appoint Alpha Financial Management to discuss my retirement planning?

Firstly contact us using the enquiry form below or call us on 0151 949 1666

Our fee guarantee: You will not pay any fees unless we can help you.

A personal pension plan is a tax efficient savings plan designed to provide a regular income in retirement.

Your contributions will be invested in one or any number of funds with the company recommended. In time the value of your fund should increase until you are ready to receive your benefits, at which point you will use the accumulated fund to generate an income.

One of the great tax advantages that Personal Pension Plans have over other types of investment, is the considerable tax concessions that your contributions and investment funds receive.

Firstly, your contributions receive tax relief based on the highest rate of tax you pay. Secondly, where the money is invested, it grows free of Capital Gains Tax. No other UK investments offer these advantages.

You can also protect your contributions against inflation, by having them increase year on year, or build in an option called waiver of premium, where the Insurance Company will waive your contributions if you are unable to work due to ill health.

According to a study carried out in 2001 by the Association of Consulting Actuaries, workers starting a pension at age 25 need to invest a minimum of 10% of their income if they want to retire with just under 2/3rds of their final wage to live on. However, those wishing to retire early or are starting later need to invest much more.
The ACA recommends that those starting a pension at the age of 35 need to invest between 15% to 20% of their salary while those starting at age 45 need to ensure that up to 30% is invested.

With pensions there are a number of different options available when you come to draw your pension. They include: -

When to take your benefits?
How do you take your benefits? The choices include:-
A level pension for life
A reduced pension, with a tax free lump sum
An escalating pension
A widow/widowers benefit can be provided for
A number of other options are also available which can be discussed in more detail when you retire

How do I appoint Alpha Financial Management to advise me on the choices available when taking my benefits?

Firstly contact us using the enquiry form below or call us on 0151 949 1666

Our fee guarantee: You will not pay any fees unless we can help you.

Click here to view our Client Agreement.
Click here to view our Best Execution Policy.