What's Your Pension & Retirement Situation? Need to Plan? Nearing Retirement?

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	What's Your Pension / Retirement Situation?
		I haven't started planning yet and need advice
		I want to review the suitability of my current retirement plans
		I am nearing retirement and need advice on my next steps
		I am already retired but would like to review my income
	I haven't started planning yet and need advice... The sooner you start saving for retirement the better, although its never too late. Generally the longer you leave it to start the more you will have to contribute each month but it is better to have something than nothing! If you have an occupational pension available to you it may be worth contributing to that or perhaps consider a personal / private pension scheme. You can find out more information about these in our pension types section. Depending on your age and circumstances it may also be a good idea to have an alternative savings plan in place, such as a tax-efficient ISA. It is important that you contribute what you can afford as you won't be able to access the money until you are at least 55. There are other savings and investment plans available that may be more suitable for your circumstances. You should speak to a financial advisor to help determine the options that will work best for you. Get free, impartial pension & retirement advice here >> ^Return to top I want to review the performance of my current pension and retirement plans... Many people don't realise that they can transfer their pension if it is not performing as well as they would like. Our advisers can review the performance of your pension fund and if it's performance is not sufficient, they can recommend a more suitable pension fund for your needs. Our advisers can also look at any other retirement plans you have in place to ensure you are getting the most from your money. Get your free pension review here >> ^Return to top I am nearing retirement and need advice on my next steps... Firstly if you have been contributing to a pension, you need to look at how much you have saved into your pension pot - this will help give you an idea of the level of income you can expect to receive when you retire. There are 2 main options available to you for your pension: - Buy an annuity i.e. regular income for the rest of your life - An unsecured pension i.e. take an annual income and also invest the remainder of your pension pot. We would recommend that you get independent financial advice to help with any decisions regarding your retirement as some of these choices could be for life. We have experienced pension advisers who can provide you with straightforward information on all your retirement options. Get helpful retirement advice here >> It may also be helpful to find out how much of a state pension you are entitled to. You can get a state pension forecast at The Pension Service. ^Return to top I am already retired but would like to review my income... It may be worth reviewing any additional savings and investments you have to see whether their performance could be improved, ultimately increasing your income. Discuss your retirement needs with an expert >> You can also keep track of them within your own client area on our website. Take a trial here >> ^Return to top

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	Chartered Financial Planners - Principle First Financial Services are one of the few Independent Financial Advisers to achieve Chartered Status in the UK - a reflection of our professionalism and dedication to providing the highest level of customer service and financial planning, including wealth management and inheritance tax planning. Principle First Financial Services is a trading style of GMF Marketing Services Ltd. which is authorised and regulated by the Financial Services Authority. Principle First Financial Services is entered on the Financial Services Authority's register under reference number 409667. PAST PERFORMANCE IS NOT A GUIDE TO FUTURE RETURNS & INVESTMENT RETURNS MAY FALL AS WELL AS RISE - Risk Profile must be clarified before proceeding with any company pension advice.