Building & Drawing Pensions

At Joseph Lamb, we believe our industry is very good at making pensions too complicated. Very simply just ask yourself two important questions:

• When I retire how much will I need to live on?
• How much have I got?

For the majority of us, after allowing for the State Pension, or an employer’s pension, there is still a significant shortfall.

Our team can analyse your current plans and estimate your shortfall, advise how much you should be saving, explain the tax benefits and the best way of building up your retirement fund. If you have several plans you have built up over the years, or you are disappointed with their performance, why not consider combining your plans into one with hands-on investment management via our D-PIMS service? This could transform the returns you have been making, especially if you have an old plan, with profits policies or poorly run funds. Proper investment management is available to all via our D-PIMS service – not just the very wealthy.

Pensions have had much bad press and are widely misunderstood. However, the tax benefits are very valuable and remember – if you don’t save for yourself, who will?

We hear repeated concerns over the ‘problem’ of pensions at retirement. But those ‘problems’ are not isolated to pensions – they are linked to all investments as they are caused by global changes to inflation and interest yields.

These changes have disappointed many, but if they put you off saving completely, are you really ‘the winner’?

To arrange a FREE initial consultation of your pension requirements, simply call us on 01268 749880 or click here. 

Joseph Lamb is one of the country’s leading point of retirement specialists. We can provide you with detailed advice on all aspects of annuity purchase, enhanced and temporary annuities, as well as specialising in income drawdown plans, SIPPs and SSAS and all other retirement options.

Our adviser and technical teams are highly qualified and experienced in these areas and can help you make the right decisions for your future.

There are retirement products and options you may never even have heard of, so it is vital you seek advice to ensure all possible options are covered.

If you try to ‘retire’ without professional advice you will almost certainly get it wrong, and mistakes could cost you thousands of pounds and leave you in an irreversible situation.

For a free initial consultation of your retirement options, simply call us on 01268 749 880 or click here.