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Pensions

Jas Campbell Financial Services and Pensions advice in Ayrshire

Saving for Retirement

With life expectancy increasing, the need for an adequate pension to ensure a comfortable retirement has never been greater. The State Pension should only ever be regarded as a supplement to your retirement income and it's never too late to start saving. Whether you have never saved into a pension or if you would like us to review your existing pension arrangements, we can help you to develop appropriate strategies for a financially secure retirement.

Approaching Retirement

Under current rules, pension benefits can normally be accessed from age 55, even if you are still working. As you approach your chosen retirement date, there are a number of options available to you and it can be a confusing time. In addition, you do not need to take your retirement benefits from your existing pension provider; it is often possible to obtain better rates by shopping around.

You will need to make some important decisions such as whether you wish to take your tax free cash. You need to consider if you wish to purchase an annuity, which provides an income for life, and whether you wish to provide for a spouse should anything happen to you. If you have any existing medical conditions, you may be entitled to an enhanced or impaired life annuity which can provide you with a higher level of income.

The value of your pension will also be eroded by inflation and you need to think about whether you would like your income payments to increase each year. Another option is pension drawdown, where it is possible for you to access your tax free cash and income, but your pension fund remains invested. Alternatively, you may decide you wish to delay your retirement altogether.

We can help guide you through the range of options available and help you decide on the most suitable arrangement for you and your family.

Please contact our Saltcoats office on 01294 464301 to make an appointment with a member of our Financial Services Team.

Open: Monday - Friday, 9am - 5pm, closed for lunch 1-2pm.
Saltcoats office also open to 6pm on a Thursday and 10am until 12.30pm on a Saturday.

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Saltcoats (Main Office)

Bank of Scotland Buildings
57 Dockhead Street
Saltcoats,
Ayrshire
KA21 5EH

Tel: 01294 464301
Fax: 01294 603023
DX No: 591001 SALTCOATS

Ardrossan

76 Princes Street
Ardrossan
Ayrshire
KA22 8DF

Tel: 01294 464131

West Kilbride

85 Main Street
West Kilbride
Ayrshire
KA23 9AP

Tel: 01294 829599
Fax: 01294 829602

Arran

Unit 2 Douglas Centre
Brodick
Isle of Arran
KA27 8AJ

Tel: 01770 302027
Open 5 days a week

Authorised under the Law Society of Scotland to conduct investment business under the Financial Services Act 1986.