What does retirement mean for you?

Whatever your answer may be, the one thing that does not change is the need to build up sufficient funds to generate income in order to achieve the retirement you want and deserve.

As pension freedoms have taken effect over the past few years and legislation has changed, there are now myriad ways to benefit and enhance your retirement pot.

Here at Digby Associates we have the technical knowledge and experience to help you navigate through these options to achieve the outcomes you desire.

Pensions offer great tax advantages and can form a large part of an individual’s financial plan, no matter which stage of life you are at. Due to the recent changes in legislation, pensions could be viewed as a family asset. If managed properly, future generations and beneficiaries have the opportunity to benefit from a lifetime of savings being passed on to them.

It is never too early to start thinking about your pension and if your scheme is suitable for you. Whether you have a Final Salary, Defined Contribution or Auto Enrolment scheme, speak to one of our advisers to see if your plan will keep you on track for your goals.

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The Value of pensions and investments can fall as well as rise, you may get back less than you invested.
Tax treatment varies according to individual circumstance and is subject to change.
The Financial Conduct Authority does not regulate auto enrolment.

Transferring out of a final salary pension is unlikely to be in the best interests of most people.