Retirement advice...

Adding significant value through our expert knowledge of the market...


Pensions & Retirement Planning

We provide retirement advice to private individuals as part of their comprehensive financial planning. Our experience has shown that we can add significant value through our knowledge of the market.

The value of pensions and the income they produce can fall as well as rise, you may get back less than you invested.

The Financial Conduct Authority do not regulate auto enrolment and tax planning.

Our Retirement planning strategies include:

  • Annuities
  • Group Pensions
  • Personal Pensions
  • Pre-retirement planning
  • Post-retirement planning
  • Small Self Administered Scheme (SSAS)
  • Self Invested Personal Pension (SIPP)
  • Stakeholder Pensions
  • Auto Enrolment

Significant changes to Pension Rules have taken place and we are fully conversant with these. You may benefit by getting us to look at your existing arrangements to ensure they are suitable for you now that these changes have taken effect.

It is also important to realise that choice of investment for your pension funds is crucial to the performance and ultimately affects what you get back at retirement.

When benefits are to be taken there is a variety of choices. For example, you are no longer forced to draw a set income at retirement. This therefore provides considerable scope to plan more effectively when thinking about Inheritance Tax and Capital Gains Tax, as well as deferral of Income Tax.

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Torbay Financial Services

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The office is open 10am to 2pm Monday to Friday
Plus phone or video meetings any time Monday to Saturday


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Guide to Retirement Brochure

Download our Guide to Retirement brochure
(Adobe PDF)

Guide to Our Services Brochure

Download our Guide to Our Services brochure
(Adobe PDF)

66 Fore Street
St Marychurch, Torquay
Devon TQ1 4LX

t: 01803 411460   m: 07891 614559

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