We are experts in providing professional impartial advice on a personal and corporate level on all types of UK pensions as listed below.

• Stakeholder Pensions
• Personal Pensions
• Self Invested Personal Pensions (SIPPs)
• Pension transfers
• Income Drawdown
• Annuities
• Company pension schemes
• Retirement planning options

It is well known that we are all living longer with more people taking early retirement. This means that proper retirement planning is vital so you have sufficient pension income in those retirement years.

Our pension advice service will provide you with help and guidance to achieve your retirement goals. There are many ways to save for a comfortable retirement and by seeking independent pensions advice you can be confident that your plans will work out.

Proper pension planning is not simply arranging a pension plan. It is a combination of tax efficient arrangements which are suited to your circumstances, budget and attitude to investment risk. More importantly, pension investment plans need to be monitored and reviewed regularly. RTA independant pensions advice service will do just that, with personal, professional pensions advice for many years to come.

Let us help you achieve your retirement goals

We find that most of our clients have collected several different types of pension plans and schemes during their working lives. Our pension advice service will include an analysis of these plans to see how they are working for you. It may be prudent to transfer these pensions to a new provider, thus amalgamating your pension funds in one place and readjusting the investment funds to suit your aims and level of investment risk.

When the time comes for you to take the benefits from your pension scheme we will be right there with you. A wide range of choices are available now with annuity purchase and income drawdown. Our service will explain your options and help you decide on the right course of action.

What is a Pension?

A pension is a traditional method of saving for one’s retirement by investments spread through a diversification of funds to meet an individual’s attitude to risk. They have the appeal over other savings vehicles in that tax relief is offered at the basic rate, currently 20%, increasing to 40% for higher rate taxpayers.