Pension Planning & Retirement Options
Retirement planning is vital for all phases of life. At Optimum we can advise with pension planning at all stages. From setting up a pension plan for the first time, to managing ongoing pension investments, all the way through to advising on the options available with putting the most appropriate retirement plan in place and indeed then even many years beyond.
Flexibility
Progressive legislative changes have given individuals total freedom on how they manage and access their retirement benefits. Advice is key to making correct choices in order to meet a range of different circumstances.
Tax Efficiency
Pensions offer an extremely tax efficient method of planning for your retirement with tax relief on contributions, favourable tax treatment of investment growth and potential to take a tax free lump sum in retirement.
Did you know?
Most Pensions are not subject to Inheritance Tax (IHT) on death. A 'Death benefit nomination' can be completed to specify to whom the pension owner wishes the benefits to be paid on death and probate is generally not required.