Welcome To Chartered Financial Solutions Ltd! We offer a wide variety of services, including help with Pensions, Investments and Inheritance tax.
Pensions
Pensions Whether you have Personal Pensions, SIPPS, Stakeholder or Occupational Schemes, it is important that you review them.
Investments
Investments Learn how we can help you to grow your investments with sound, unbiased, financial planning advice.
Inheritance tax
Inheritance tax Let us put our extensive experience with inheritance tax law and mitigation to use for you. Contact us today!
Pensions

Whether you have Personal Pensions, SIPPS, Stakeholder or Occupational Schemes, it is important that you review them, as regulations can change, tax laws may be amended, or your personal circumstances may change. Chartered Financial Solutions Ltd are pensions specialists who can advise you on all types of pension funds.

At Chartered Financial Solutions we are able to review any of your pension policies, providing you with a report and advice on your total pension provision,along with projections of what you should expect at retirement.

A combination of improved health care, longer life expectancy and for many people a younger retirement age, means that the golden years of retirement can extend well beyond 20 healthy years.

A review of your pension provision may show that this is not the case.

Past performance is not a guide to future performance, the value of investments can fall as well as rise and is not guaranteed - this means that you could get back less than you invest.

Face facts:
  • if you are age 20 and put off your pension plans by 10 years, you'll lose half of your
    eventual retirement cash. The sooner you start, the better off you'll be.
  • The largest source of income for pensioners is 'benefit income', which includes state
    pension income and benefits. Among single pensioners, single women are the most
    dependent on state pension income and benefits. (source The National Statistics office)
  • In a 2006 survey by the National Statistics Office, 47% of the people
    questioned had no idea what their retirement income will be.

In many cases, people passively accept whatever pension is available, being forced to cut back when they retire as they adjust to the lower income level, which they have not always anticipated.

A more positive approach can however be taken, by working out the level of income you think you will need when you retire and make this your target for the future.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.