a.r.d. consultancy

Pensions

Discover the invaluable benefits of pensions and pave the way for a fulfilling and worry-free retirement journey.
Welcome to the gateway of financial security and peace of mind.

Planning for your Retirement

In this ever-changing landscape of personal finance, pensions stand as stalwarts, offering a promise of stability in the tumultuous journey of life. As you embark on your quest for a comfortable retirement, let pensions be your trusted companion, guiding you towards a future where your hard-earned years of work translate into a well-deserved oasis of relaxation and fulfilment. Discover the power of pensions, where every contribution is a step towards crafting the retirement that you have always envisioned.

How Do i Find the Right Pension Plan &
What Are My Options?

Pensions are a crucial asset for securing your financial future. Setting aside money for retirement is essential, and one of the best ways to do so is through a pension plan. At A.R.D. Consultancy, we are dedicated to helping our clients maximise their pension returns and secure a comfortable retirement.

Exploring Your Pension Plan Options

Once you've decided to set up a pension, it's important to evaluate the different options available. Our goal as pension advisers is to provide comprehensive information and advice on how to save for your retirement effectively. The pensions market can be complex and overwhelming, but our experienced advisers at A.R.D. Consultancy are here to help you navigate it.

What If I Already Have a Pension?

At A.R.D. Consultancy, we specialise in assisting clients with setting up new pensions and improving existing ones. Our expert knowledge allows us to provide tailored pension advice that meets your specific needs. If your current pension is not performing as expected, we can help you explore ways to enhance its performance and increase returns.

Many pension plans underperform due to a lack of proper management. Ensuring your pension plan is well-managed is crucial for achieving financial security in the future. Our advisers will work closely with you to identify strategies to boost your pension's performance.

Our pension review service aims to provide peace of mind by regularly monitoring your pension arrangements, ensuring they are performing effectively. We are committed to helping our clients secure their financial future and enjoy a comfortable, stress-free retirement.

Understanding Pension Annuities

A pension annuity provides a regular income in exchange for your pension fund, usually after taking tax-free cash. Annuities are fully taxed as earned income.
There are various types of pension annuities and options to consider before making a decision. We discuss these options with our clients and research the market to provide the most suitable illustrations. Special annuity rates may be available for smokers, individuals with health conditions, and certain occupations, potentially increasing the income you receive. Given that annuity income continues for life (and for your partner's lifetime, if needed), even a small increase can significantly impact your retirement income.
As you approach retirement, it can feel daunting to plan financially for the years ahead. At A.R.D. Consultancy, we’re here to provide the support you need. We specialise in helping people plan and pave the way for the future they want, ensuring they look forward to retirement with confidence, knowing their finances are in safe hands.

A.R.D. CONSULTANCY

Here’s how we can help…

Discover the invaluable benefits of pensions and pave the way for a fulfilling and worry-free retirement journey

Pensions Goals

We’ll help you identify your goals for retirement, including the kind of lifestyle you’d like to have

cashflow planning

Cashflow planning allows us to demonstrate how far away you are from your goals, and how to bridge the gap.

Regular Reviews

We’ll review your pensions, savings and investments, ensuring they’re structured appropriately for your needs.

tax planning strategies

We’ll help create effective tax planning strategies to ensure you’re making the most of any allowances or reliefs.

flexible policies

We’ll put flexible policies in place designed to financially protect your loved ones should the unexpected happen.

peace of mind

Most of all, we aim to give you peace of mind that your retirement and your financial future is in safe hands.

It's important to note that investments can fluctuate in value, and income is not guaranteed. Past performance does not dictate future results, so thorough consideration of all opportunities is essential. We're here to support you every step of the way.  

Please note that our Standard Review/Client Take-On fee is £995 and that we can only assist those with investable funds of £100,000 or over.