I recognise the importance of giving appropriate consideration to your current and future financial position. This has never been more important than in the current economic environment. Also, with life expectancy increasing it is essential to give attention to retirement planning both prior to and at retirement.
 
The aim of a pension plan is to provide financial security in retirement. It is considered good policy to encourage individuals to save into a private pension rather than rely on the State arrangements. A pension fund that is built up over your working life may receive tax relief subject to limits.

In order that I can assess your pension requirements, Nicholas Bone financial will conduct an audit of any existing arrangements you may have in place.

I also assess the level of pension that these arrangements might expect to provide you with at retirement and highlight whether there is any gap between the income you want and the sum that you are likely to receive.

Part of the financial plan may include solutions to close or narrow any gaps identified. I find many clients have pension pots that have been built up with different providers and will have little awareness on how the funds are invested, charges, performance, and no ongoing service proposition. “Taking a look under the bonnet” at your pensions and making a detailed assessment is a process most clients gain peace of mind from.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.