As a busy working professional we know your time is precious, so it is not surprising to learn that time with friends and family comes before your finances and pension planning, but ignoring this could be detrimental to your future plans.

Topical and relevant questions I am being asked by your colleagues at the moment are;

• Should I remain an active member of the CAAPS pension scheme?
• Should I opt out and become a deferred member?
• Should I take the CETV (cash equivalent transfer value?)
• What are the personal and tax implications of the above scenarios?
• How is the Lifetime Allowance affected?
• How do I protect myself and my family?
• What are the Pre-Retirement and Post-Retirement options available?
• How do the regulatory changes affect me and what is the impact?

For more information about the range of services and exclusive offers, please browse our site. If you have any financial questions you would like to discuss or if you would like to meet with us, please complete our enquiry form or call 01329 236693.

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.

We provide a no obligation financial check:

• Review your current pension and investments
• Options to maximise your tax on income and capital accumulation
• Formulate a robust plan for your finances in line with your requirements and your attitude to risk in order to manage any CETV effectively
• Work with you to future proof your plans and ensure they stay relevant to your circumstances with regular face to face reviews, transitional advice Pre and Post retirement to aid phasing retirement benefits. I can offer flexible times to fit around your working patterns.

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.