Pensions & Retirement Planning

What is this and why do I need it?

In simple terms, a pension is a savings mechanism that helps people to save for later life and provide an income in your retirement. At Beesure we can assist you in many different areas of pension advice, whether you are looking to set up a pension, review your existing arrangement or consolidate your pensions, we are able to assist you and provide you with the best quality advice.

We offer a free initial consultation to discuss your options and our fee structure will only come into play should any work be carried out.

When approaching your retirement age, you can be provided with many complicated and confusing paperwork from pension companies which may be difficult to understand. We are able to assist you in planning the best pension in order for you to achieve your goals and lifestyle.

Pension Transfers

There are many factors that you need to consider when looking into whether a pension transfer is suitable or not which you may not realise.

There may be exist charges or penalties for moving away from a certain plan or there may be guarantees or benefits which you may lose upon transfer of a plan.

Certain providers also have with-profits funds which may be subject to what is called a ‘Market value reduction’ if you are to transfer away.
You may also have protected tax-free cash within a plan over the usual 25% which may be lost upon transfer.

There are many reasons you may not be aware of that may mean it is more beneficial to stay with your existing provider and as Independent financial adviser, we will always look to provide you with the best options for you.

Consolidating your Pensions

Many people change jobs throughout their working life and can end up with multiple pension pots scattered across multiple pension providers. It can sometimes be hard to understand what you actually have.
We are able to assist you with a clear outline of what pension pots you have, as well as advising you on whether it is best left where it is or beneficial to consolidate your plans into a single easy to manage plan.

Self Invested Personal Pensions (SIPP)

Self Invested personal pensions (SIPP’s) have option of being able to invest in a wide variety of assets.

These include:

  • Stocks and Shares
  • Deposit accounts
  • Bonds
  • Trusts
  • Open-Ended Investment Companies
  • Property
  • Unlisted shares

This allows clients and investors to provide solutions which they may not have known were available to them within their pension.

What can Beesure provide?

Beesure financial planning works closely with its clients to help achieve their retirement goals. Whether it be to save for that once in a lifetime trip around the world or simply planning for their future, we work together to plan for realistic and affordable ways to achieve this.

Why is Beesure the right choice?

We can help you whether it’s setting up a pension, consolidating existing pension plans, or reviewing your existing pension plan to make sure this is the most suitable product for your circumstances.

We are a team of highly qualified financial planners who will assist you from day one, until your retirement and throughout.

Request your free consultation now.

Frequently Asked Questions

How much do I need in the bank to retire?

Everybody’s needs are different and not one person’s finances are the same. At Beesure we offer cashflow planning to assess your needs and goals to plan for your retirement.

How do I claim or drawdown my pension?

You can either contact your pension provider directly to arrange a drawdown on your pension or you can contact Beesure and we can arrange this for you.

What will I need for my review with Beesure?

If you have your pension policy documents that is all we need to conduct a review of your pensions. If you do not have these we can have an initial consultation and discussions before arranging for new policy documents to be issued.

Speak to one our team for a free no obligation initial consultation.

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Beesure Limited is authorised and regulated by the Financial Conduct Authority no. 832417.
Beesure Limited is a company registered in England and Wales. Company number: 10551333.
Registered office address: Ground Floor, Rowan House, Hazell Drive, Newport, NP10 8FY.

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