We provide advice on pension products including stakeholder pensions, personal pensions, retirement annuities and SIPP’s.

Whilst there are notable advantages of investing through a pension wrapper there are also a number of drawbacks. Our advice in this area is therefore strategic, taking into account all aspects of one’s situation before determining whether pension investment is recommended.

Pensions' as a tax wrapper' are very attractive in terms of the initial tax treatment (benefiting from relief at your highest tax rate) however they are also taxable at your highest tax rate in payment and, once income is taken, offer little scope to mitigate inheritance tax.

By diversifying between pension and other tax wrappers, one reduces the chance of falling foul to penal changes in pension legislation, can build inheritance tax efficiency into ones affairs and provide more income tax efficient income streams in retirement.