“Pensions can be complicated but at Opes™ Financial we translate technical information into straight forward language clients can understand !“
The introduction of low cost Workplace Pensions (Automatic Enrolment) for the majority of the working UK population requires sharper focus from advisers to ensure clients receive the best pensions can offer. It’s true to say cost is not the only basis from which to make a decision around pensions advice. However, it is more important in today’s pension world.
Here are some common thoughts that may be relevant to you - Do you continue paying into old plans ? Do you transfer previous pensions to a new employers pension scheme ? Should you merge numerous plans into one and what are the features and benefits of any existing pensions and any alternative plan(s) being considered….? Will I receive a state pension, when and what will I receive from my state pension ?
These are all very important considerations, although often complex and time consuming to decipher and reach a point where you can see clearly what is the best route to take with any plan in maximising existing pension benefits for future planning.
Our continued knowledge and understanding around products, investments and technology advancements enables us to be able to offer unique terms and product or investment features not commonly available direct to retail clients so it can pay to take independent financial advice.
This area generally requires professional advice due to it’s nature and is where our expertise lies. Opes Financial’s pension review service helps you by generating all data into a simple and concise format, making it easy for you to see the advantages, disadvantages, costs (existing versus proposed), features & benefits, as well as your options so you are able to then make an informed choice as to the best outcome and course of action for you.
This is why you can rest assured that an Opes™ Financial adviser will always measure and prioritise all advice aspects that are important to you before recommending the most appropriate advisory solution !
You should be aware that investments carry varying degrees of risk and as their underlying value can fall as well as rise you may not get back the full amount invested.