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I am confused by pensions


It is hardly surprising that this is a common remark. Since pension “simplification” was introduced back in April 2006 we have had unprecedented change after change culminating in the introduction of pensions freedom in April 2015.

Whilst freedom, options and choices are clearly a good thing the complexity they create can be overwhelming for the layperson.

So when retirement comes around how do you plan to ensure that you can live a happy retirement without having to worry about your finances for a period which could last 30 years or more?

The decision to purchase an annuity, or access flexi-access drawdown or a combination of these is not an easy one to make.

But help is at hand.

Granite Financial Planning are armed with lifetime cashflow modelling software which can help assess your options.

We can model different scenarios such as downsizing or incorporating state pensions when they become payable should you choose to retire before state retirement age.

We can also assess the rate of return you require on your pension pot and other assets assuming you are willing and able to take some investment risk.

Our aim is to help ensure pensions are no longer confusing but merely one of the products available for you to use to help you live your life without the fear of ever running out of money.

Granite Financial Planning’s Paul Gibson was the FT Money Management Financial Planner in 2012 and is recognised as a Retirement Planning Specialist by the Personal Finance Society.

Please get in touch for a no obligation initial chat.

Granite Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority | FCA No. 734432.
Registered in Scotland | Registered no. SC522812 | Registered address: Banchory Business Centre, Burn O’Bennie Road, Banchory, Aberdeenshire AB31 5ZU | Telephone: 01330 826544 | Email This email address is being protected from spambots. You need JavaScript enabled to view it.

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The general financial planning guidance provided in this website is based on our understanding of current law and HM Revenue & Customs practice, which are subject to change in the future. Whilst every effort is made to ensure the content of this website is correct, it does not constitute personal financial advice and Granite Financial Planning Ltd cannot accept any responsibility for it. There is a risk that investment returns may not achieve the desired result. Investments can go down as well as up. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at Cookies are used on this website to record visitor numbers for analytics purposes.