As we enjoy longer retired lives, ensuring you have adequate pension provision in place is an essential part of your financial planning. The State Pension is designed to keep you out of poverty, but looking forward to a comfortable retirement depends on building up your own pension fund through your working life.
The earlier you start making contributions towards your pension the better. Whether it is via a Personal Pension or membership of a Company Pension Scheme offered by your Employer, you should actively engage with the process and take advantage of the significant tax breaks pensions offer.
Campbell Mackie Limited can assess your overall financial position and then offer customised advice to ensure that you are making the most of your pension contributions.
We can offer advice during the accumulation phase of the pension journey, when you are building up your pension fund. The relative merits of Self Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSAS) can be explained to assist in deciding what product best meets your requirements.
When a client gets to the decumulation stage, when they are considering how best to take their pension income from their accumulated pension fund, Campbell Mackie Limited can offer advice on the options available.
Employers have the legal requirement from October 2012 to automatically enrol their Employees into a qualifying Pension Scheme. Campbell Mackie Limited can offer advice and assistance with Auto Enrolment.
Book your free initial consultation: call us on 0141 632 2406 now