Retirement Planning
Auto enrolment requires all employers to automatically enrol certain staff in a qualifying workplace pension scheme, so retirement planning is now a key part of any employee benefit solution. As pension schemes are tax efficient investments many staff will want to enrol into your company pension.
Trust our benefit consultants to work with you to recommend an appropriate company pension scheme that is adaptable and suits the lifestyle and retirement plans of your workforce.
We listen to your company requirements, and work with you to set up a pension plan that works for your company. Pension legislation is complicated and often changing but our experienced team can inform and educate you about these changes. Through our knowledge and experience of pension planning we ensure you invest in the right pension scheme to achieve the required income for your employees.
We will educate your staff about any new pension changes so they can make suitable decisions for their financial future. To help you understand how the new ‘Freedom & Choice in Pensions’ affects you, we have put together information on the financial issues you should consider at different stages of your life.
If employees are members of your company pension scheme they should understand their retirement options and may want advice about whether to purchase an annuity or access flexible benefits or take their pension in a lump sum at retirement.
We offer a flexible pension advice service that can be tailored to your requirements or the needs of your individual employees. Our benefit consultants can arrange to meet employees at your company. We can offer group pension advice sessions or confidential consultations with individual employees. Our Financial Advisers have passed the Chartered Institute of Insurance (RO8) Pensions Update examination, in order to better qualify them to offer you up-to-date pension advice.
We can help your employees:
- Determine how much to save
- Decide on appropriate investments
- Understand and explain the benefit of pensions
- Review alternative pension schemes
- Regularly review your goals
Our approach to retirement planning utilises a broad range of products including:
- SIPPs
- Personal pensions
- Stakeholder pensions
- Group Personal pensions
- Occupational pensions
- Annuities
- Income drawdown
- Alternatives to pensions
- Phased retirement
- Flexi access drawdown
Your Retirement Options – Freedom & Choice: before, at and in retirement
Guide on Retirement Options
Pension Transfers
Lonsdale Services financial advisers start with the assumption a pension transfer will be unsuitable. Our financial advisers recommend you read our pension transfer information before contacting us.
