Retirement Planning

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Joining the Teachers' Pension Scheme is a great start ... but will it be enough? Recent changes to the scheme have meant that many teachers will not receive their pension until State Pension age, which could be 67 or beyond. There are options within pension planning, however, that could allow you to retire early and increase your benefits. To discuss your options, call us on 0345 355 3242 or complete the form below.</p>

Pensions can be complicated and confusing. However, in the long term, pension funds generally grow in value better than many other forms of investment. The earlier in life you start a pension fund, the longer you can contribute and the longer the fund has to grow. When you add in the valuable tax allowances from the government, it’s hard to find a better way to plan for retirement than with a pension. Call us now on 0345 355 3242 to arrange a meeting to discuss your pension planning.

Many people have exciting plans for their retirement - perhaps going on the holiday of a lifetime, moving house or taking up new hobbies. But these plans are unlikely to become reality for many people who have not made adequate pension provision for their retirement. If you are a member of the Scottish Teachers’ Pension Scheme you will know that you are making some provision for your retirement, but will it be enough? The introduction of Pension Freedoms mean that there are more options than ever and it is vital that you get sound, independent advice to ensure that you don't end up with a shortfall or an unexpected tax bill in retirement. Your EISFS Independent Financial Adviser can help assess your situation and make a firm recommendation on a suitable course of action. The longer your money is invested, the longer it has to grow! Delaying your planning by even a year can make a big difference to the pension you could receive. Call us now on 0345 355 3242 to discuss your pension arrangements further.

Pension options have changed dramatically over recent years and the introduction of Pension Freedoms means that many older style pensions are no longer suitable. You may have already done something to enhance your pension with Additional Voluntary Contributions (AVCs), Free Standing AVCs or a Personal Pension Plan. These plans should be reviewed regularly to ensure that they are still suitable and on track to meet your requirements. Call us now on 0345 355 3242 to arrange a review.

Whether you are approaching retirement or you have recently retired, there are often many areas of concern. It is not always easy to find someone who can help with Superannuation queries, maximising income from AVCs, and offers sound investment advice. That's why we offer a comprehensive Retirement Advisory service, which is available to all EIS members and their family. We have designed this service to help EIS members understand their options with regard to maximising tax free pension lump sums, planning for the transition to retirement, and investing for capital growth or to provide a regular income. A qualified EISFS Independent Financial Adviser, with an excellent working knowledge of the Teachers' Pension Scheme, can discuss your requirements and make a firm recommendation based on your individual circumstances. Call us now on 0345 355 3242 for a consultation.

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