Auto enrolment schemes ensure that employers enrol you in a pension when you commence your contract of employment, and that they pay into it. This can be useful, as companies sometimes make it difficult for you to apply in the first place.

An annuity is an insurance policy which provides guaranteed income for a set number of years. You buy an annuity with your pension pot – up to 75% – while receiving the other 25% as tax-free cash

A drawdown pension allows withdrawals of up to 25%, tax free, whenever you move money into the pot. As a result, this is a popular choice with people who may needs greater control over and access to their pension funds.

SIPP stands for Self-Invested Personal Pension. This is a more hands-on option than a stakeholder pension, allowing you the freedom to choose your own investments and control the progress of your pension pot through an online platform.

A stakeholder pension is a type of personal pension that limits choice. Minimum contributions are flexible, charges are capped and there is a single investment strategy, meaning that this is often a popular choice with those who wish to keep it simple and transparent.

If you aren’t in a company pension scheme because it’s either not offered by your company, or because you’re self-employed, you may wish to set up a personal pension. Alternatively, you may wish to set up a personal pension on top of your existing company pension. Either way, this will…

Open-Ended Investment Companies (OEICs) are used as a way to invest in the stock market. Your account is managed by an industry expert in return for a fee, meaning that you maximise your potential while minimising your own work.

A bond is a type of fixed-income investment in which you loan your own money to another entity for a fixed period, in return for an interest rate. As with ISAs, there are a number of different types of bonds, for which we can give you full and clear advice,…

We can help you choose from the four different types of ISA (Cash, Stocks and Shares, Innovative Financial and Lifetime) to ensure that you maximise your tax-free advantages while keeping your money as accessible as you need it to be.

Income Protection pays you a benefit if you can’t work due to ill health or accidental injury.This benefit starts after an agreed period of time, called a deferred period.