A filing cabinet of old pensions?

A filing cabinet of old pensions?

26th June 2019

A lifetime of working hard, saving carefully, and raising a family often results in one likely outcome, a filing cabinet full of paperwork that you’ve collected but with no real idea of what it all means and it’s material value to you and your future.

Within this paperwork is likely to be a collection of personal pension plans, most likely ex-employer schemes, including stakeholder pensions, that are sitting there redundant of any real attention.

It’s probable that you have no idea as to whether these pension plans are going to provide you with the retirement income that you need. You may even be in the camp of not actually knowing how much you need to have saved to provide you with a comfortable retirement.

If this sounds like you don’t despair, we offer a Personal Pension review service designed to help you get better organised, well ahead of your chosen retirement age.

Taking into account your needs, circumstances, and preferences, we may be able to simplify and streamline all of your historic pension plans into one cohesive joined-up retirement strategy, reducing your paperwork, and providing you peace of mind. Certain Personal Pensions may have valuable benefits such as guaranteed annuity rates and so a recommendation may also involve keeping what is assessed to be suitable.

Any agreed retirement strategy will be engineered to focus on your personal situation today, your future retirement income needs, and most importantly, your aspirational lifestyle goals. A dignified lifestyle where you live in comfort and happiness; how good does that sound?


Pension Transfer Gold Standard

Financial advice firms who adopt and promote this standard adhere to a set of principles. As a result you can be confident that you are dealing with an ethical adviser and professional advice firm that has your best interests at heart when receiving financial advice in relation to whether or not you should transfer your pension.

At Longhurst, we hold this accreditation.


Next steps

If this article raises spikes an interest, or raises a question, please contact Chris Broome on chris@longhurst.co.uk or 01327 223243.

All discussions are confidential and initially held at our expense.


PensionTransferExpert.com is a trading style of Longhurst Limited. Longhurst Limited is an appointed representative of TenetConnect Ltd which is authorised and regulated by the Financial Conduct Authority. TenetConnect Ltd is entered on the Financial Services register www.fca.org.uk/register under reference 149826.

A pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Information is based on current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

The value of your investment can go down as well as up, and you can get back less than you originally invested.

By transferring your occupational pension scheme benefits into a personal arrangement, you may be giving up rights to guaranteed benefits, known levels of pension income and increases that will be applied in the future.

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