Pensions

It’s difficult knowing how much you’ll need to live on when you retire. So planning ahead and starting sooner rather than later is key. Whether you’re contributing to a pension, have already started drawing on a pension, or are simply thinking about getting started with pension planning, Kingsmarque can provide you with independent pensions advice.

We’ll help you paint a clear picture of your retirement goals and gain clarity about when you can afford to retire, whether that’s a long way off, or is drawing closer. With legislation constantly changing we’ll help you establish a robust pension plan that aims to mitigate risk and maximise your income.

Pensions

It’s difficult knowing how much you’ll need to live on when you retire. So planning ahead and starting sooner rather than later is key. Whether you’re contributing to a pension, have already started drawing on a pension, or are simply thinking about getting started with pension planning, Kingsmarque can provide you with independent pensions advice.

We’ll help you paint a clear picture of your retirement goals and gain clarity about when you can afford to retire, whether that’s a long way off, or is drawing closer. With legislation constantly changing we’ll help you establish a robust pension plan that aims to mitigate risk and maximise your income.

Benefits of a pension

There are many clear benefits to having a pension:

  • Investing in a pension is a good way to keep clear of capital gains or other income-based tax.
  • Investing in a pension means that, at present you can take out a lump sum aged 55, up to 25% of which is tax free. In 2028 you will need to be 57 years of age to do so.
  • Your pension generally sits outside your estate so won’t count towards inheritance tax.

Detailed advice about pensions to suit your life choices

Kingsmarque can help you work out how much money you’ll need to retire on, and offer you detailed cash-flow scenarios. We’ll also make you aware of any financial complexities you may need to plan for, and help you make the right decisions around when and how to access your pension pot.

Kingsmarque can also assist you in making sound pension planning and investing decisions after you retire, with help to manage your funds flexibly over the long term. We do this by carrying out regular reviews of your investments and can offer you suggestions to help you refine your strategy.

Detailed advice about pensions to suit your life choices

Kingsmarque can help you work out how much money you’ll need to retire on, and offer you detailed cash-flow scenarios. We’ll also make you aware of any financial complexities you may need to plan for, and help you make the right decisions around when and how to access your pension pot.

Kingsmarque can also assist you in making sound pension planning and investing decisions after you retire, with help to manage your funds flexibly over the long term. We do this by carrying out regular reviews of your investments and can offer you suggestions to help you refine your strategy.

Kingsmarque is 100% dedicated to helping customers create a retirement plan centred around how they want their retirement to look. We can work with you to develop a flexible and practical pension plan that takes advantage of all available tax efficiencies and savings.

It’s never too early to start thinking about pension planning. Get in touch today and let’s talk through your options.

A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) could go down as well as up which would have an impact on the level of pension benefits available.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change. You should seek advice to understand your options at retirement.

The Financial Conduct Authority does not regulate tax planning or cash flow planning.

A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) could go down as well as up which would have an impact on the level of pension benefits available.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change. You should seek advice to understand your options at retirement.

The Financial Conduct Authority does not regulate tax planning or cash flow planning.

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Asad was very knowledgeable and explained how he could help with the various aspects of my finances.

He was polite and friendly throughout. Thank you!

The financial adviser Asad Khan made contact with me very quickly.

He was able to answer questions I asked regarding my pension and advised me what I should do next.

Asad was super helpful and intuitive. He provided lots of options and tailored solutions, which was exactly what we wanted.

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Kingsmarque Wealth Management is committed to collaborating with you to strategise and plan for your future, aiming to optimise financial outcomes for you, your family, and your business.