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"I didn't feel at all confident about dealing with my finances, and I wasn't sure how to invest or reduce the inheritance tax on my estate. Helen has helped to improve my income and invest my capital, and explains things very clearly for me..."
Latest News
May 2012
Many people have money in personal pension funds which have been contracted out of the State Second Pension Scheme (formerly called SERPS), the additional bit to the Basic State Pension...
March 2012
I am delighted to say that I have been accredited by the Society of Later Life Advisers.
This means that I have been recognised as upholding the highest standards of advice to clients who are approaching or in retirement...
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Issues at Retirement
There are now lots of different ways of taking money from pension funds, and thankfully it is much more flexible than it used to be. The downside is that you have to think much harder about your preferences. For example, you may want:
- to consolidate several pension plans in order to get the best deal and keep it simple
- your money to remain invested, and if so, how much risk do you want to take with it?
- an income that you can (within limits) increase or decrease
- your family to receive a lump sum from your pension fund if you die
- your husband or wife to receive a guaranteed income if you die before them
- an income that is guaranteed for life, so you know it won’t run out
Don’t forget that most people under-estimate how long they can expect to live, and it would be tragic if the money were to run out.
It is also necessary to consider the new pension rules, for example how close your funds are to the Lifetime Allowance.
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Contact Me
For friendly, professional advice please give me a call.
01202 842795
Email me
helenkifa@live.co.uk
Or by using my
online contact form
Accreditations
In The Press
 Visit the Press section to see various articles to which I have contributed.
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