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The individual and group pensions market is an ever changing world, especially with the introduction of the pensions freedom legislation. Keep track of what the options are when planning your retirement.

Lloyds IFP work with you to consider all the options, based on your needs and attitude to risk.

Providing you with the standard of living you want after you stop work

Planning for your retirement is possibly the most important financial decision you will ever make. With life expectancy increasing year on year, we are now seeing the potential to spend almost as many years enjoying retirement as we have spent saving for it. Planning for it correctly will provide you with the standard of living you wish for after you stop work.

Retirement planning for business owners

If you are a business owner, you will be used to handling a lot of responsibility everything from drawing up detailed business plans to creating a budget. So it should come as no surprise that funding your retirement will likely fall on your shoulders.

But what type of retirement plan is the right fit for your business? There are several types to choose from, and the options can be confusing. For example, some business retirement plans are better for sole proprietors, while others may be more appropriate for businesses with up to 100 employees.

Understanding the differences in the plan types is an important exercise. If you have been operating a plan that doesn't match your personal and business needs, you could be missing out on important tax benefits, or possibly making mistakes regarding employee contributions.

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A pension is a long term investment. The fund value may fluctuate and can go down, which could have an impact on the level of pension benefits available.

Your pension could be affected by interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.

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