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Specialist Pensions Advice

Pensions have now become such a complex area it is crucial that specialist advice is taken to ensure you fund for your retirement in the most appropriate and tax-efficient manner based on your personal circumstances. Pension legislation is constantly changing in the UK and our advisers ensure they are kept up to date, continually building their knowledge by gaining the most up to date industry qualifications.

PPTC has a number years experience advising both Individual and Corporate clients on the most suitable method of building pension capital to provide an income in retirement and making the most of their opportunities. 

There are a huge range of pension options available to individuals whether within employment, self-employed, a company director, or already retired. The company has pension advisers who have experience in dealing with specialist arrangements such as:

• Self Invested Personal Pensions (SIPP)
• Small Self Administered Schemes (SSAS)
• Executive Personal Pensions (EPP)
• Funded Unapproved Retirement Benefit Schemes (FURBS)

Our advisers can recommend the most appropriate structure for you based on current legislation in the UK and your personal circumstances.    

If you have had a number of different jobs and periods of employment / self-employment throughout your working life, it is likely that you will have a number of existing pension arrangements that a review is necessary. PPTC offers a fully independent research and analysis of your existing arrangements; providing a detailed opinion on the worthiness or otherwise of pension funds held considering performance and charges. It may be appropriate to consider transferring the pensions to a specialist arrangement allowing a far greater spread of investment, including property.

Along with providing an income in retirement, pension funds can also be used to aid business expansion through the purchase of commercial property, for example office premises or retail units. PPTC can provide advice on utilising pension capital in this manner and has experienced advisers who have dealt with a number of purchases within pension structures. This may also include arranging borrowing within the pension structure if sufficient capital is not available.  

There is a growing awareness of the lack of pension funding and the likely financial difficulty facing a number of individuals who have retired with underfunded pensions. PPTC have invested considerable capital in technology and have the means of identifying the required pension savings amount to meet the required retirement income.

Pensions Calculator

This will provide an indication of the amount of savings required in order to achieve your particular retirement goal. The Calculator takes into account various assumptions – such as investment returns and inflation. Click here to view.