Retirement Planning

We will work with you and your family to ensure that your pension and financial requirements are structured to meet your needs. Most importantly, you will know your numbers in terms of how much you need to save and how long your money lasts. We will also look at spousal income protection if the main pension income spouse were to go into care.

Working with St. James’s Place and their carefully selected panel of providers we offer the following range of products:

• Self-Invested Pension Plans (SIPPs)

• Trustee Schemes

• Retirement Plans

• Drawdown Plans

• Flexi Access Drawdown

• Annuities

If you would like more information please contact AMG Wealth Management on 01332 551155 or email info.amg@sjpp.co.uk

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.  You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Self-Invested Pension Plans tend to have higher costs than a standard pension and active management is essential to maximise the benefits of the wider investment choice on offer. For these reasons, they will not be suitable for everybody and generally only those who are fairly experienced at actively managing their investment should consider this type of investment.

Nearing Retirement

Retirement planning has now been made much more complex due to Pension and tax regime changes, and advice has never been more paramount.

So, when approaching retirement age, the right type of advice can make a huge difference. Your previous income may be replaced by an annuity, and as annuity rates change so rapidly, it is important that your circumstances are taken into consideration when choices are being made.

If you would like more information please contact AMG Wealth Management on 01332 551155 or email info.amg@sjpp.co.uk