Planning for retirement is one of the most important investment decisions. The choices you make today will determine the lifestyle you will have in the future, so excellent independent advice is essential to consider and compare all of the options available to you.
Pension legislation is continually evolving and as a result the options available are constantly changing. At JM IFA Ltd we have considerable experience in advising our clients and helping them maximise their pension potential.
Unfortunately many individuals currently contribute to pensions, or have “paid-up” policies, which do not provide value for money or offer the growth potential of multi-fund providers. As a company, we treat pensions as we do investments, using the same principles of research and analysis of spreading investment across different fund managers and asset classes.
We recognise that no two client’s circumstances are the same and as a result we invest considerable time and resource ensuring that you end up with the solution which best meets your needs.
At all times we will find the most tax efficient solution to meet your needs – taking into account income tax, capital gains tax and inheritance tax.