Pensions

AB Vision is one of the UK’s few pension specialists – we can offer sound and impartial advice on your retirement planning.

The government’s approach to pensions is changing, and we need to change with it. The Treasury seems to be in a desperate rush to leave the state pension behind and put the responsibility of organising an ample pension on both you and your employer.

AB Vision Pensions

Many people underestimate just how much cash they will need to retire comfortably. You can pay into a workplace pension scheme your entire life and still find your final payout significantly lacking.

However, there are a huge number of tactics and tools that you can employ to maximise your investment while negotiating complicated tax laws with optimum efficiency. Finding out what is right for your particular situation is an absolute minefield.

At AB Vision we specialise in providing cost-effective and personalised pension plans that will make sure you maximise your monthly income. We will explain, recommend, and monitor your pension for you to secure the very best results.

Sources for Your Pension

Your pension can be made up of a few different sources, with three of the primary ones being:

State Pension: Although the specifics change depending on what date you actually reach retirement age (those reaching state pension age after April 2016 are involved in a slightly different scheme), everyone receives a fixed sum on a weekly basis.

Occupational Pension: Many employers offer a pension scheme that will provide additional income when you eventually take retirement. This might be a Final Salary Scheme (Defined Benefit) or a Money Purchase scheme (Defined Contribution).

Personal Pension Scheme: These schemes are open to everyone and are a fantastic method for the self-employed to receive a boosted pension, or for an employee to compliment their own income. New legislation means that all employees meeting specific criteria are automatically enrolled in this scheme.

Other Retirement Options

Again, many people are now coming to realise just how much money you need to enjoy the comfortable retirement that you have certainly earned by working your whole life. However, the number of pension products available is complex, varied, and overwhelming. As a result, it can be difficult to find a solution that works for you.

It is vital that you seek out reliable, independent financial advice before committing to anything, and that is where AB Vision comes in. Our specialist advisers will make sure that you are armed with all of the information required to ensure that you maintain the level of income you are used to during your working life long after you retire.

Get in Touch

Many people put off preparing for their pension, only to have to rush it in later life. Keep in mind that you are never too young to start investing in your pension and by putting it off now, you are just ensuring that you will have to pay significantly more in later life to catch up.

State pensions are becoming less and less lucrative or reliable, but a tailored solution can help to secure your future and allow you to maintain a very comfortable standard of living.

Start the process of preparing for your future today by getting in touch with our friendly and knowledgeable pension advisers today on 01292 263001.

Alternatively, fill in our contact form, and we will be in touch as soon as possible.

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We offer jargon-free advice about your savings & investments, your pension and much more.

We have over 100 years combined experience in financial services

Being able to meet Struan for a face-to-face chat put me at ease about my future

Anne Wilson, Glasgow

Arrange a face-to-face chat with one of our friendly financial advisors – call 01292 263 001 now.