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  • Investments and Tax Planning Advice

    TAKE CONTROL
    OF YOUR PENSIONAND LOOK FORWARD TO YOUR RETIREMENT

  • Pension Advice in Scotland

    TAKE CONTROL
    OF YOUR PENSIONAND LOOK FORWARD TO YOUR RETIREMENT

  • Independent Financial Advisers Glasgow

    TAKE CONTROL
    OF YOUR PENSIONAND LOOK FORWARD TO YOUR RETIREMENT

  • Pension Advice in Glasgow

    TAKE CONTROL
    OF YOUR PENSIONAND LOOK FORWARD TO YOUR RETIREMENT

  • Scottish Pension Advisers

    TAKE CONTROL
    OF YOUR PENSIONAND LOOK FORWARD TO YOUR RETIREMENT

Frozen Pension and Consolidation

The Consumer:
Steven is 45 years old and has recently moved jobs to a new company in Glasgow. Steven is married with two young children and not particularly familiar with pensions and sees them as a complicated and unfathomable.

His Schemes:
Stakeholder Pension with ABC worth £22,500 and a Personal Pension worth £49,000.

Recommendations:
After a comprehensive evaluation and risk assessment of Steven’s existing plans, personal circumstances and retirement objectives the Adviser recommended he consolidated his Frozen Pensions into one private scheme.
Steven now has online access to his funds and coupled with considerably lower annual administration fees with the likelihood of much better returns in the future.
Steven is now far happier in the knowledge that he has taken control of his two frozen pensions which are now growing rather than standing still.

Regular Reviews:
Steven and the adviser also agreed to meet up once a year to review his pension, ensuring his retirement plan stays on track to meet his objectives.

The Results:
Factoring in the new growth projections and reduction in charges Steven’s new Pension Plan is projected to give him considerably more to when he reaches retirement.



 

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