Pension Planning

Innes Reid provides specialist independent pensions advice to private clients as part of their comprehensive financial planning, and employers and their directors and staff. Our experience has shown that we can add significant value through our knowledge of the rules.

Significant changes to Pension Rules took place on 5 April 2006, and we are fully conversant with these. However, some people may still be able to take advantage of the pre-April 2006 Rules, if these produce a better result. So, you might benefit by getting us to look at your existing arrangements.

It is also important to realise that choice of investment for your pension funds is crucial.

When benefits are to be taken there is a variety of choices. For example, clients are no longer forced to draw a set income at retirement, and this provides considerable scope to plan more effectively with resultant mitigation of Inheritance Tax and Capital Gains Tax, as well as deferral of Income Tax.

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