Pensions Advice Cambridge
Providing Pensions Advice for Private Individuals and Business Owners in Cambridge
Calver Wealth Management have over 21+ years of experience in providing financial advice to Private Individuals and Business Owners.
Using our knowledge and expertise alongside the latest technology, we design modern and personalised retirement planning solutions for our clients and specialise in pensions advice in the Cambridge area.
What type of Pensions Advice do we offer?
We can help to analyse your existing pensions that you may have lost touch with.
Advise on setting up a private pension scheme, which you can pay into either on a regular basis, or by using lump sum investments (subject to UK pension annual allowance rules and legislation).
We will discuss your future goals and objectives to understand how much income you may need in retirement to support your lifestyle and calculate potential shortfalls in your planning.
If you are concerned as to whether you need financial advice to transfer your pension, we would suggest that professional advice is crucial to help you choose the right option for your individual needs.
We are often asked “what type of pension should I get?” There are many different types of pension schemes and we can help to narrow down which type of pension might be most suitable to help achieve your long-term goals and objectives.
As a Partner Practice of St. James's Place, we have access to their distinctive Investment Management Approach and through them we can offer access to some of the best fund managers to invest with across the world, as well as offering Sustainable and Responsible investment options.
We will also help to assess how much risk you are comfortable in taking across your pension funds.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Remember that your pension will one day need to support you for the longest holiday of your life. As with our own day to day lives, we have to make many important decisions and adjustments to keep our goals on track. This is the same with pension planning, regular reviews and monitoring of your pension will help to ensure you achieve your financial objectives to provide you with the retirement you deserve.
Complex Financial Advice
Pensions Annual Allowance and Tapered Annual Allowance Calculations
Lifetime Allowance Calculations
At Retirement Options – such as Flexible Access Drawdown, Uncrystallised Funds Pension Lump Sum and Annuities.
3 Key Stages of Pension Planning
2) At- Retirement– the years where you will slow down from work and start using the funds you have accumulated to provide an income to support your new lifestyle.
3) Legacy Planning – we help you reduce the amount of money paid in Inheritance Tax (IHT) when you die, enabling you to leave a legacy for your family or loved ones to benefit from the remaining pension funds.
Many people are not aware that a private pension (defined contribution pension schemes) can be passed down to your loved ones after you pass-away. HMRC tax rules and legislation apply, but the beneficiary generally does not have to wait until they are at retirement age to access these pension monies.
The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.
Get advice for your pension in Cambridge
Every stage of your pension planning requires careful decisions to be made. A professional financial adviser can help to explain complex technical jargon to ensure you fully understand what you want out of your pension, and how to achieve it.
If you would like further information on your retirement options please click here or if you would like to book in a phone consultation or request further information click here.
What our clients say
Financial Advice Cambridge
We pride ourselves on building long-term relationships with our clients and make sure that we understand your goals, aspirations and financial needs. These are paramount to the advice we provide.
Our business has been built solely on personal introductions and recommendations. We feel that the growth in our business over the years reflect the quality of the services we provide.
Let’s chat
Have any questions? Just ask!
We’re happy to answer any questions or queries with a no obligation email or phone call. Please let us know in the form below if you would like to receive more information; we would be happy to help!
*Please note we can only offer an initial consultation to enquiries with savings/investments/pensions of at least £50,000.
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