Pensions & retirement

Enjoy retirement with peace of mind that your financial future is secure.

Your Retirement Secured.  Phil Anderson Financial Services offer expert independent pension advice to ensure you get the very best out of your retirement.

We help clients approaching retirement look at the many options available to them as well as review clients’ existing pension policies to assess more beneficial options. We also offer pension advice to both individuals and companies to help savvy savers plan for a carefree retirement. 

Pensions to Suit Your Plan

We offer trusted, independent advice on a wide range of pension services –

  • Personal Pension Advice
  • Pension Sharing Advice
  • Pension Fund Withdrawal
  • Work Place Pensions
  • Stakeholder Pension Advice
  • Annuity Advice
  • Employee Benefits Consultancy
  • Auto Enrolment Advice
  • Self Invested ( SIPS ) Pensions
  • At Retirement Advice
  • Group Personal Pensions

Pensions in Plain English

Pensions can be a very complex field of financial planning and one that has seen major changes following the March 2014 budget. These changes now mean that more people have the flexibility to access their pension pot.

Phil Anderson Financial Services is ideally placed to help cut through the complexity in this area of pension planning.

From April 2015, people aged 55 and over will only pay their marginal rate of income tax on anything they withdraw from their defined contribution pension – either 0%, 20%, 40% or 45%, whatever the size of a person’s defined contribution pension pot. They’ll be able to access it how they wish, subject to their marginal rate of income tax in that year. 25% of their pot will remain tax-free.

There is now more flexibility –

  • If you want the security of an annuity you will be able to purchase one
  • If you want greater control over your finances you can drawdown your pension as you see fit
  • If you prefer to keep your pension invested and drawdown from it over time, you can do that too.

As we’re living longer and with state retirement ages set to rise, the pension changes in the budget and the introduction of Auto Enrolment, there has never been a better time to review your retirement provision.

Pensions With Peace of Mind

With offices in Aberdeen, Ellon, Westhill, Inverurie, Dundee, Banff and Caithness, we are conveniently located to personally discuss securing your retirement plans.

Contact Phil Anderson Financial Services to arrange a home or office appointment with one of our trained pension advisers.

And if you would like to discuss workplace pensions and what it might mean for your business please get in touch.

*Auto Enrolment work-based pension schemes are regulated by The Pensions Regulator.

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