Pensions are essentially just savings plans with a tax break attached. The industry can make them sound very complicated at times but at Osborne Financial our focus is to simplify the pensions landscape and we will work with you to create a retirement plan unique to you.
The only question we would ask you to consider is what age do you want to be free from financial concerns? Then it’s time to get started on planning on how you get there.
For The Business Owner / Company Director:
Most business owners understand the tax incentives of contributing to a pension i.e. tax relief on contributions, tax free growth within the pension and a tax free lump sum at retirement. However, it is vitally important that that an appropriate fund choice and pension structure is chosen from the outset to maximise these tax benefits and limit the charges on your fund.
If the wrong structure is chosen from the outset it can limit your options at retirement and reduce the tax efficiency of your pension when you come to draw down your benefits.
For Individuals:
Whether you are looking at starting a pension for the first time and don’t know where to turn or if you have lots of pensions from previous jobs and need advice, we can take care of you. Contact us today to take the first step in planning that retirement you have always dreamed of.
For Employers:
We can advise on a comprehensive employee benefits package incorporating company pension and protection that will attract and retain the best employees. Talk to us today to see how we can help you