The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.


With the vast range of options available, the pension arena can be bewildering. The decisions and choices you make will affect the income you receive when you do reach retirement. It is essential, therefore, to receive expert advice in this complex area.

For a vast majority, pensions are still the most tax-efficient way to provide for retirement. McCreath Financial Partners have advisers who are qualified to guide you from helping you understand your pension requirements through to designing a bespoke solution. Some of the solutions include:

•    Personal Pension Plans
•    Stakeholder Pensions
•    Self-Invested Personal Pension Schemes (SIPPs)
•    Trustee Schemes
•    Retirement Plans
•    Drawdown Plans
•    Annuities
•    Open Market Option (OMO)
•    Transfer Plans (including Section 32s)
•    Occupational Pensions
•    Group Schemes

The cost of not taking advice is often reported in the press with underfunded provisions, lost opportunities and reduced incomes. We recommend you review this vital area of financial planning including existing provisions in case any shortfalls that may exist.