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Welcome to The Pensions Office.  Please browse our site for further information about how we can help you.



Immediate tax free cash over 55's

Immediate tax free cash for over 55’s

This is available from any type of pension scheme, including transfers from a previous employer’s scheme. There is no restriction on the use of the cash lump sum. You don’t have to retire to take this lump sum; the only requirement is that you are at least 55 years of age.

 

Transferring between personal pension policies could prove profitable
Many pension providers only offer their lowest charges to new customers, leaving existing customers with a much more expensive policy. A simple ‘switch’ – possibly within the same insurance company – could increase your pension fund by £thousands! Its as easy as changing your gas or electricity supplier.

 

Close to retirement?

When you start to draw your benefits your current pension scheme must offer you a pension for the rest of your life. Beyond that ‘core’ promise you can gain access to a multitude of options. If you make the right choices before you commit yourself you will secure the best value from your pension fund for your individual circumstances and requirements.

 

Pensions in divorce settlements

Pension Sharing Orders are increasingly being used in divorce settlements as the values of each spouse’s pension funds are treated in much the same way as any other major asset of the parties to the divorce. Both spouses could benefit greatly from specialist guidance and advice from The Pensions Office. Our cost-effective fee-based service appeals to divorcing couples and their lawyers – especially when jointly instructed.

 

Superior investment performance

You may have noticed that some investment funds seem to perform badly, year after year, whilst others continue to consistently out-perform the market. Pure chance? Not necessarily. A structured investment portfolio can be designed to produce an ideal balance between risk and reward for each person’s circumstances and requirements.

Break all ties with a previous employer

The Pensions Office can provide the advice you need to decide if you should leave your pension benefits with a past employer or take the transfer value to a personal pension. Making the wrong decision could result in a much lower pension fund at retirement, lower death benefits or both.


Take control of your pension fund

Every type of pension scheme imposes restrictions on their members – often (though not always) due to legislation. However, different choices often incur higher fees or charges on the pension fund, or introduce risks which may not be obvious without specialist advice from The Pensions Office.