Are you retiring?

There are many factors you need to consider.

The biggest investment decision you are ever likely to face is what to do with the money you have built up in your pension fund.

You will need to ask yourself (or us!) a number of important questions, the answers to which will affect how you proceed.

For example:-

Q. How much income do I need to live on?

Q. What will the level of inflation be during my retirement?

Q. How long am I going to live?

Q. What will happen to my dependants when I die?

Q. What if I become ill and need local authority care ?

Q. How much risk do I wish to take with my money?

Q. Are annuity rates likely to increase or decrease?

Q. How will my pension arrangements affect my tax situation?

Q. Is my pension provider safe and secure?

Q. Will my state of health affect the amount of pension I could receive?

Q. Should I take a lump sum or a higher income?

Why you need help from edison ford

Because the answers to those questions about retirement and pensions can make a huge difference to your standard of living in the future. We can investigate the myriad of options available to you and provide unbiased, unpressured advice on the best way forward. Today's extensive range of annuities and other income drawdown options offer you a wide choice of ways in which you can provide yourself and your dependants with an income in retirement.

For most people such a choice will seem like a maze. This is why you are likely to need our independent advice to help to find the right pension solution for you at such a vitally important stage in your life.

How we can help

Our qualified independent advisers can give advice aimed at:-

• People coming out of occupational pension schemes
• Personal pension holders
• The self-employed
• Retirees with lump-sum capital to invest
• Those looking to phase their retirement income

After finding out about your personal circumstances and understanding your financial needs we will give you unbiased and professional advice, usually in the form of a report. If appropriate we will find and negotiate the best annuity available within the market to suit your circumstances. Then acting on your behalf we ensure the annuity purchase is efficiently transacted by co-ordinating the arrangement between the pension company(ies) and the chosen annuity provider.

Important: In today's highly competitive annuity market a differential of up to 40% can exist between the best and worst annuity rates. Also in response to a general decline in annuity rates, product providers are continuing to innovate with a host of new products which are now available from a wide range of providers, many of whom will not deal direct with the public, only through intermediaries such as ourselves.

Above all though, we will give you the time and knowledge you need to feel comfortable about the decision you are about to undertake. See our testimonials page for numerous examples of how we have helped people like you with their finances.

If you require further information and wish to contact us, please click here and fill in our request form.

And finally.......

You may be considering the investment of a lump sum from your pension. Click here for more information on our investment page.