"I was keen to understand how my personal pension plan would work when I got to retirement. Barry drew a picture of a 'doughnut' and at last I could see, and remember, how the 'cake' gets distributed and the combinations of distribution available to me."
John Forsaith
Seer Green

Paragon Independent Financial Solutions Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Services Authority. Sesame is entered on the FSA register www.fsa.gov.uk/register/ under reference 150427.

The FSA do not regulate some forms of mortgage and Inheritance Tax Planning.

Pensions

How can we help?

Barry StanleyRetirement planning essentially falls into two areas:

  • 'Savings' (building up funds for future income, as tax-efficiently as possible);
  • 'Taking benefits' (using your accumulated retirement funds).

We help our clients to understand the options available and establish which is right for them.

Savings

  • Estimating the projected benefits of all of your existing arrangements, including those from current and previous employment, private plans and state benefits;
  • Explaining the options for rationalising existing plans and / or funding a new plan;
  • Considering whether a SIPP (Self Invested Personal Pension) is right for you;
  • Advising on asset allocation and fund selection, within existing and / or new arrangements;
  • Searching the market for the right plans for you;
  • Implementing arrangements.

Taking benefits

  • Explaining options for pension funds, including annuity purchase, income drawdown and phased retirement;
  • Advising on an overall strategy for retirement income, which includes pension and non-pension assets;
  • Searching the market to source the right product and / or annuity for you;
  • Advising on the best use of any pension lump sums;
Advising on ongoing income arrangements and fund selection, within income drawdown and phased retirement plans.

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