Pension Advice Cheltenham - Pension Advice

Cheltenham

Cheltenham Pension Advisors

Prosperity Wealth is here to support you with all of your pension questions, whether you’re in your first proper job or your last.

We have been helping people across the UK for many years, and – with 80 pension advisors on hand – we’re here to help you too!

With our help, you can feel assured that your pension plan is completely tailored to your future needs and ambitions.

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Help with Pensions in Cheltenham

Pension planning is an ongoing process and should be a recurring feature of your working life, rather than something you only consider when it’s too late to do anything about it. Yet planning a pension can be confusing without expert advice. Indeed, our new clients often have many questions for us, such as:

How can I get to grips with the terms and conditions of my pension?
What is my pension’s true value?
How long will my pension provide for me as it is?
How can I increase my pension contributions?
Can I combine pension options?
Where should I invest part of my pension fund if I want a flexible (but safe) income?
Can you help me manage my different pension funds?
Is it possible to make my pension more tax-efficient?
Can I drawdown from my pension?
Are there alternative retirement options which would be better for me?
How do I start a pension fund for the employees in my new business?
How much should I expect to spend on pension management fees?

Pension Advisors Here to Help

If you have any questions like these, then we strongly advise that you speak to one of our expert advisors. By seeking support with your pension plan now, you will be ensuring that your money is working for you and that your financial future is secure. Therefore, it is extremely important that you seek pension advice from a qualified and regulated pension planning advisor.

At Prosperity Wealth, each of our advisors hold financial planning and pensions advice qualifications. They are also all regulated by the Financial Conduct Authority (FCA), so you can rest assured that our advice will be based on sound financial information and will protect your finances. Our expert advisors can help you get your money working hard for you so that – when you’re older – you don’t have to.

Our Pension Advisor Services

With our pension advisor services, we will help you through each stage of planning your retirement and guarantee that you receive the necessary support for every aspect of your pension.

Throughout the whole process, you will benefit from dealing with your own personal pension planning advisor – because we know how important it is that you are dealing with someone you can get to know and trust.

Here is an outline of our four-step process, so that you can get a sense of how our team can help you:

Friendly Pension Planning Team in Cheltenham

We will start with a friendly meeting where we will ask you about your circumstances, pension ambitions and investment values. This will help us to get a clear picture of your needs, so that we can put together the best plan for you.

Clear Pension Advice That you Can Understand

We will examine the information you have given us and explore options which will be right for you. Your pension advisors will then talk you through your options and give you bespoke recommendations and advice to match your personal situation.

We will deal with all the paperwork

When we have received the ‘go ahead’ from you, we will deal with all the paperwork on your behalf.

We will continue to manage your pension plan

Once everything is up and running, we will continue to manage your pension plan for you. We will remain available for any questions and will make further recommendations if we believe something is in your best interests.

Pension Drawdown in Cheltenham

Pension drawdown is a way of using your pension funds to provide you with a regular retirement income by reinvesting it in something specifically designed for this purpose (even while you are still working).

However, it is essential that you obtain expert advice before proceeding with a pension drawdown, as you could accidentally devaluate your pension or incur unwanted fees.

Tax Free Cash Pension

When you can start drawing benefits from your pension scheme, you may be able to take part or all of your pension benefits as a tax-free cash lump sum.

While this cash lump sum will be tax-free for withdrawal, you need to consult a professional before doing so, as you could inadvertently incur additional taxes when it is added to your income.