When it comes to providing for our retirement, too many people are doing too little too late.

Putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire. The golden rule for most people is not to rely on the Government alone.

Pension Planning:

Today there are a number of tax-efficient ways of providing for a comfortable retirement. The area is complex and choosing the right vehicle requires a detailed understanding of your circumstances, tax status, employment status and more.

Annuities:

An annuity provides an income, either for life or for a specified period, in exchange for a lump sum investment. Once the annuity has been bought, you cannot get your lump sum back and you are tied into the income agreed.

It's important to recognize that we are now living longer. Financially this can be an overwhelming realization. The key to managing this change and achieving a comfortable life in retirement is to make sure you have a sound financial plan.

One of the most frequently asked questions is 'How much will I need in retirement?' Once you have established your desired annual level of income in retirement. The earlier you retire the higher this figure will be.

A pension is one of the critical investments that you will make during your life and our aim at Links Wealth Management is to ensure that we select the right personal pension plan for you. Our advisers have a wealth of experience in advising clients on the right pension scheme. They consider:

Your current financial situation
The level of income you would like to receive
Your current and future income
How flexible you want your payments to be
Your employment status
The track record of all pension providers
Once a pension plan has been chosen and you have made your initial investment, we will constantly review the plan to ensure that it continues to perform for you.