We can offer advice in the following areas:

• Traditional Annuities
• Lifestyle, Impaired and Enhanced Annuities
• Unsecured Pension (Drawdown)
• Unsecured Pension (Phased)
• Third Way and Variable Annuities
• Alternatively Secured Pension
• Pension Transfer & Consolidation

We have chosen to specialise in this key area of financial planning due to our extensive experience and qualifications in this crucial and complex area. We are dedicated to improving your retirement income for the rest of your life, to allow you to enjoy the longest holiday of your lifetime, knowing that you have maximised the income available from your hard-earned pension fund.

Under current legislation, pension benefits can normally be taken between age 50 and 75. Legislation currently sets age 75 as the limit by which a pension income must have been purchased. When you begin thinking about taking your pension income you have an ever increasing number of questions to consider.

• Do you require a lump sum in addition to an income?
• What level of income do you require?
• Should you consider a guaranteed income or one dependent on future investment performance?

This is just the beginning, with the list being almost endless. ‘The Retirement Adviser’ is here to guide you through these questions, to advise you on your options and to arrange the purchase of your retirement income. ‘The Retirement Adviser’ can be contacted Free on 0808 1787 335.