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Thomas & Gentry Independent Financial Advisers - Home Page

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Thomas & Gentry Independent Financial Advisers - Home Page | thomasandgentry.co.uk Reviews

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1

Retirement Income Options

http://thomasandgentry.co.uk/Pensions/Retirement_Income_Options_1

Your Options At Retirement. From age 55, there are a number of options available to you including:-. Draw your benefits available from the existing provider. Purchase an annuity with a different provider on the Open Market. This could potentially increase the payments to you. Move to Flexi-access Drawdown (or Third Way Plan). Use the Uncrystallised Fund Pension Lump Sum (UFPLS) rules. Move to Phased retirement. Move to a combination of the above. Draw your benefits from your current scheme. You are able ...

2

About Pensions

http://thomasandgentry.co.uk/Pensions/About_Pensions_1

Pensions are, of course, designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired. There are many different 'tools' used to save for retirement and the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension to fund for your retirement. Single Tier State Pension. Ndash; there are now...

3

Personal Pensions

http://thomasandgentry.co.uk/Pensions/Personal_Pensions_1

Personal and Stakeholder Pensions. Personal Pensions represent a popular and attractive way of saving for your retirement. All monies invested into your fund grow free of capital gains tax, and the contributions you make are enhanced by income tax relief at source. For example if you invest £80, the government adds on tax relief (currently 20%) to enhance your contribution to £100! Stakeholder pensions are similar to personal pensions but have their charges capped at 1.5% for the first 10 years reduc...

4

Independent Advice

http://thomasandgentry.co.uk/Independent_Advice/IndependentAdvice

What is Independent Advice? Independent advice is not the only option available. If you go to your high street bank you may be greeted by a financial adviser, but they could well be ‘tied’ to recommending and promoting the products of the bank, or a single insurance/investment company to which the bank has an allegiance. So why do we need independent advisers, and how can customers be sure they are getting a fair deal? The Financial Conduct Authority (FCA). Independent advisers are able to select product...

5

Investment Options

http://thomasandgentry.co.uk/Savings_and_Investments/Investment_Options

There are so many different mediums in which to invest, and here we look at just a few key areas:. Bull; Bank Accounts. Bull; National Savings and Investments. Ndash; these products are backed by the government and operate like bank accounts to a certain extent. There are some tax-free products available and they are generally considered low risk since they are backed by the government. Bull; Bonds and Gilts. Bull; Equities (shares). Bull; Investment ‘Funds’. All these types of investment are available t...

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