Pensions & Investments

Planning For Retirement


The days when you could simply slip into retirement, confident that the state would be there to support you in your golden years, are now just a dim and distant memory. With the government’s purse strings under increasing strain, planning for our own future should be a top priority.

​Regardless of the life stage you have arrived at, it’s important to receive the right advice on your pension requirements. We can help you make the most of the retirement opportunities available, whether you’re an individual or a business.


The right investments can offer real opportunities to grow your wealth and protect it against inflation. We offer a broad range of funds to choose from, along with expert advice to help you build an appropriate portfolio.


Since being introduced in 1999, ISAs have proved one of the most popular and tax-efficient ways to save and invest for the future. In his March 2014 Budget, the Chancellor sprung a welcome surprise when he announced sweeping changes to ISA regulations, designed to encourage people to save more by offering bigger tax breaks and greater flexibility.

The ISA allowance remained at £20,000 for the tax year 2019/20, and the changes from July 2014 now allow full flexibility in the use of cash and investments within the overall annual limit.

Investment Bonds

We draw on the expertise of some of the world’s top investment professionals to manage our ISA funds, and match the risks you are prepared to take with a well-diversified and balanced portfolio to create an appropriate strategy to aim for income or capital growth. Through regular reviews we adjust the mix to reflect changing needs and markets.

With low levels of interest being paid on bank and building society deposit accounts for some time now, many long term investors are looking for a better return on their investments. They are also concerned that the income they receive will fail to keep pace with inflation.

An Investment Bond is one solution to this problem. It offers a simple yet flexible solution to income, capital growth and tax planning needs by offering access to a wide range of asset classes, as well as a range of benefits designed for simplicity and tax efficiency.

Investment Bonds are long-term investment products which allow investors to spread risk and allow easy switching between funds as their needs change over time.

The main benefits of an Investment Bond are:

  • Access to our approach to investment management and a choice of fund management expertise that is distinctive in the UK
  • Opportunities for you to diversify your investment and spread your risk
  • You have a flexible range of options to take a regular, tax-efficient income
  • Freedom to switch funds easily as your needs change
  • The ability to manage and potentially reduce your personal liability to tax
  • Minimal administration

Pension Opportunities

Despite the ever changing pensions landscape, pension planning and saving for your retirement are still as vital as ever. Pensions still remain highly efficient, offering tax relief at your highest rate of tax on your contributions, assuming that anything over the basic rate of tax is reclaimed via the individual’s tax return, and therefore are an important part of your overall planning.

Tapered Annual Allowance With effect from 6 April 2016, the annual allowance of £40,000 per annum will potentially be reduced for high earners. If you have total adjusted income in excess of £150,000 per annum, you will see your annual allowance reduced by £1 for each £2 this is exceeded, to a minimum of £10,000. This is a very complex area and so it is vital that appropriate advice is sought.

Carry Forward of unused reliefs You may be able to contribute in excess of the Annual Allowance of £40,000, or your reduced annual allowance, and receive tax relief at up to 45% using Carry Forward for example, if you have contributed less than the Annual Allowance in the previous three tax years. As this is a potentially complex area, particularly where Defined Benefit schemes are concerned, advice should be sought.

Lifetime Allowance The changes in the Lifetime Allowance mean that advice is more important than ever to ensure that you are optimising your retirement planning and are fully up to speed with the latest Lifetime Allowance protection opportunities.

The value of a pension will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax reliefs depends on individual circumstances.

Phone: 151 244 1236
3rd Floor, 207 Regent Street,
London, W1B 3HH