Where we provide a regulated advice service we are responsible for the decisions we help you make. Gain the protection of regulated advice.We pride ourselves on providing a 5-star service, as can be seen from our 2386 and growing independent client reviews rating us at 4.92 / 5. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you. You will speak to a named expert with a direct telephone and email. You’ll speak to a dedicated expert from start to finish.This allows us to negotiate better rates for you than dealing with providers yourself. Organising your pensions, investing your assets, managing risk and making the most of your tax allowances is all taken care of as part of your financial plan. Our expertise saves you time and provides peace of mind.A living financial plan where you can clearly see what you can achieve depending on the decisions you make – read moreĬan afford that dream round-the-world trip? Can you help your children onto the property ladder? We’ll model your goals and build your financial plan to help you achieve them. We use sophisticated financial modelling technology to visually show you your financial future. Below are just a few reasons why it makes sense to let us help. We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as planning our finances. Old Mutual Redefining Retirement Survey Why Speak to Us… Good financial planning with clear goals can increase your retirement income by as much as 53%. Make the right decisions today to build a more prosperous future. Your Financial Plan: Build A Better FutureĪ good financial plan can help you make the right decisions when it comes to your finances. If you don’t have a CETV yet, then you can get an estimate of what your final salary pension could be worth if you transferred out using our Final Salary Pension Transfer Calculator. If you’re considering a final salary pension transfer to switch to a defined contribution pension that allows income drawdown, then you can enter your cash equivalent transfer value or CETV into our drawdown calculator to get an idea of what you could withdraw. Transferring a Final Salary Pension to Drawdown Remember: Whether an annuity or drawdown is right for you will depend on your circumstances, so it’s best to discuss your situation and circumstances with an adviser before committing to either option. While an annuity is irreversible, so you can’t buy an annuity then cash it in to enter pension drawdown, you’re perfectly entitled to opt for drawdown at first and then use any remaining funds at a later point to purchase an annuity if that’s what you prefer. You also don’t need to make an absolute choice between drawdown and an annuity. Income drawdown offers more control and flexibility than an annuity, as well as making it easier to leave a legacy to your loved ones after you’re gone. What’s more, there’s no inherent flexibility in this method of securing a retirement income when you compare buying an annuity with pension drawdown. Although this will offer you a guaranteed income for the rest of your life, annuity rates are currently very low due to a combination of economic factors, such as low interest rates and low yields on government bonds. However, the main alternative to income drawdown is buying an annuity. That’s because the pot is finite - every time you draw from it you reduce its total capital. There is a risk that your pension might not last long enough if you choose income drawdown.
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