Pension Advice

One of the biggest issues facing our clients is how best to achieve financial security in retirement, as well as potentially provide for dependants and pass on wealth to children.

At Seabrook Clark we are focused on giving our clients pension advice to target their objectives whilst accumulating pension savings, options at retirement, meeting income requirements and capital preservation in later life.

It is imperative to implement an effective investment strategy, both to maximise the size of your pension and preserve capital over time. This applies to younger clients accumulating pensions and also older clients who decide to draw pension benefits via drawdown.

We are proud of our Discretionary Portfolio Service and Advisory Investment Service, which are designed to deliver attractive investment returns for pension funds.

Our advice covers the following areas:

Pension Transfers and Consolidation
We advise on whether to retain pensions or transfer/consolidate into new arrangements based on an objective analysis of costs, benefits and investment flexibility. As pension transfer experts (G60 qualified), we can advise on the full range of pension transfers, covering both personal pensions and occupational pensions, including defined benefit final salary pensions.
Pension Drawdown and Annuities
We are experts on how best to draw benefits from a pension, including pension drawdown and annuities. Our advice on pension benefits and tax-free cash is tailored to your individual circumstances to maximise the value, tax-efficiency and death benefits of your pension.
Setting up a new pension and building a pension fund
We are experts in SIPP and SSAS pensions. Our advice is focused on helping a client maximise the size of their pension fund by retirement. This typically covers the most appropriate type of pension, investment strategy, level of contributions and tax relief.
Direct property purchase using SIPP or SSAS pensions
We advise on the purchase of direct commercial property using pension funds. This includes offices, retail and industrial units, as well as agricultural land. A SIPP or SSAS holding direct property can be an excellent way for a business owner to build a valuable pension fund alongside their business. It also offers tax efficiency for both the business and the business owner.
Pension on Divorce
We can act on either a party appointed basis or as an expert financial neutral on divorce. Our expertise covers all financial issues arising on divorce, particularly pensions and how best to divide them. With pension reports we typically work with solicitors, mediators and actuaries.
Chartered Financial Planner of the Year

Found this useful?

Please feel free to share it with your contacts and friends through social media.