Do you worry about your pension planning?
 
Did you contract out of SERPS (State earnings related pension scheme)/S2P in previous years?
 
You may have a Personal Pension that you took out some time ago, in which case it may be worth checking the comparison of a “new style” Personal Pension against an “old style” one. If your plan has one (or more!) of the features in the “old style” plan, it may be in your best interests to have your plan reviewed.
 
“Old Plan”                           
High ongoing charges           
Inflexible                               
A limited range of funds, which may not be performing well.
 
“New Plan”
Low ongoing charges
Flexible to suit your changing circumstances
A range of good performing funds with links to Specialist Fund Managers.
 
A large number of points from your pension plans need to be taken into consideration.
 

• Will I retire when I plan to?
• Is my pension fund on target to reach its goal?
• Which is the best option of the available pension schemes?
• Is it better to keep my pension schemes separate or consolidate them?
• Do you have paid-up or preserved pension plans?
• “A” Day – What happens now?

 
 
Do you have pension plans with any of the following companies or a with-profits pension plan with any company?
 

• Royal London
• Pearl
• NPI
• CIS
• Scottish Mutual
• Equitable Life
• Royal & Sun Alliance

 
Our Pensions Specialists can advise you, detailing your options based on your existing plans and current circumstances.

For Pensions, we make recommendations from the whole of the market.

The value of your pension can fall as well as rise.
 
For a free initial consultation and unbiased professional advice please contact Ayrshire Financial Services Ltd on 01294 472255,to arrange an appointment.