Helpful Retirement Planning

Have confidence in your pension and peace-of-mind to enjoy life now.

Retirement Planning
  • Home
  • Pension Advice

Pension Advice you can trust.

The financial challenges facing us today are varied and demanding but one that remains constant is the desire for a reliable income providing security in retirement. With people now living much longer, the need to provide choice and security at every stage in life has never been greater.

Our financial advisers have a wealth of experience of helping clients properly plan for retirement and will be happy to guide you through the number of pension savings options available. We’ll take the time to understand your circumstances and help you choose arrangements that best suit your needs.

Tax Relief on Pension Contributions

One of the initial attractions for investing into a pension fund is that all contributions, up to the annual limits, attract tax relief. This means basic rate tax payers only pay 80% for their pension, while higher rate tax payers only pay 60%. The difference is made up in tax relief claimed back from HMRC. Employers that make pension contributions can also claim full corporation tax relief on payments into directors or staff pension schemes.

Tax-Free Growth

Contributions into pensions can be invested in a wide range of assets. The growth of these assets will be aided by the fact that no capital gains tax applies to pension fund assets – meaning that pensions grow predominantly tax-free. There is a great benefit of starting to build a pension fund as early as possible as pension funds benefit from the combination of tax relief and tax-free compounding growth.

Guaranteed or Flexible Income

The range of options that are now available to people at retirement is wider and more flexible than ever. People can access their retirement savings from age 55. Funds can be converted into a guaranteed income for life or retained to provide a flexible income.

Multi-Generational Inheritance Tax-Free Asset

People who elect to enjoy a flexible income arrangement are able to pass their funds on their death, to their spouse, children, grandchildren or friends. Pension funds once seen as retirement assets only are now legacy assets that multi-generations can enjoy free of inheritance tax.

Client Story - Pension Advice

The personal touch
Tony and Paula Williams

Chris has the personal touch - he’s very approachable, down-to-earth and you don’t feel intimidated, if we’ve got a question, he’s always at the end of the phone.
Client Story - Pension Advice

A feeling of control
James Thompson

Chris never pushes you in any particular direction. You end up making the decisions yourself, but doing it based on real numbers for each option.

Client Testimonials

Please read the many testimonial endorsements our clients have provided on this website to see what they say about our advice and on-going service.

Read More
Download our free guide to retirement planning

A Guide to Retirement Planning

Maximise your returns with a level of risk you’re entirely comfortable with and make better informed pension decisions that are right for you.

Guide to Retirement Planning

Financial Guides

Please read the many free financial guides we have provided on this website to help you make better-informed financial decisions that are right for you.

Read More

Our financial advisers have a wealth of experience helping clients with their pensions and retirement planning. We can help you build and benefit from pension funds. We believe it’s important that you to have confidence in your pension arrangements and the peace-of-mind to enjoy your whole life to the full.

Chris Davies

Chris Davies

Chartered Financial Adviser View Profile

Chris Davies

Chartered Financial Adviser
Phil Johnson

Phil Johnson

Independent Financial Adviser View Profile

Phil Johnson

Independent Financial Adviser
Kevin Jones

Kevin Jones

Independent Financial Adviser View Profile

Kevin Jones

Independent Financial Adviser
Kate White

Kate White

Paraplanner Manager View Profile

Kate White

Paraplanner Manager

Call 01792 477763 today or contact us and we'll arrange an initial meeting at no cost, to discuss your circumstances and explain how we can help you.

Please read the many testimonial endorsements our clients have provided on this website to see what they say about our advice and on-going service.

Financial News & Investment Views from our blog | Read More

Spring Daffodils
09 April 2019

Happy New Tax Year!

Out with the old and in with the new is very appt when talking about annual allowances. The last few weeks have been very busy as clients seek to take up their full ISA and pension contributions fo...

Read more...
Estate Capital Financial Management
09 April 2019

Estate Capital launches new website

We are delighted to announce the launch of our new and updated Estate Capital Website. The website has been totally rebuilt and has a number of new sections and additional content

Read more...
12 March 2019

The Residence Nil Rate Band – An Overview

Residence Nil Rate Band (RNRB) could potentially save a client’s estate a lot of money in Inheritance Tax. The RNRB began on 6 April 2017. For deaths that occur after this date, estates can claim t...

Read more...
© Estate Capital 2014 - 2019. Registered in Wales No. 4688919. Authorised and regulated by the Financial Conduct Authority.