DownsMail Advertisement feature Don’t lose out financially in retirement
AS you head towards retirement, you spend a lot of time thinking about what you can do. However, a recent report from the National Association of Pension Funds found that many people do not include their finances in these thoughts. As a result, pensioners are missing out on as much as £1 billion in potential income.
Christine Milsted, the Managing Director of Invicta IFA explains what action consumers can take to ensure they get a better deal. “If you have been saving into a pension, you will likely get an offer from the pension provider just before you are due to retire. This will quote an income which they guarantee to pay you in exchange for your hard earned savings.” It will all look very easy – sign on the dotted line and everything is sorted out for you.
However, the NAPF’s report suggests that taking this offer could cost you
Christine (seated) and her Team at Invicta IFA
dearly. You could end up settling for an income which could have been significantly increased by another provider.
Invicta IFA has been providing independent financial advice since 1997 and are specialists in retirement planning. They will assess your pensions and shop around and seek out the best offer but also give you the chance to consider different factors such as inflation or health. The Association of British Insurers suggest that as
many as 49% of people have lifestyle issues (eg: smoking, high blood pressure) or suffer from health condi- tions (eg: cancer, diabetes) which could increase the income they receive even further. Sadly, only 13% actu- ally do any- thing about it.
Invicta retirement review service is designed specifically to help you to make the right
choice and maximise the income you receive. It is important to note that all pension income is subject to tax at the recipients highest marginal rate, so Invicta IFA not only help you estimate any future liabilities but they also advise you on how to invest your capital in the most tax efficient manner. If you would like more information, call Invicta IFA without obligation on your part. It will take only a few minutes but could end up adding hundreds of pounds to your income just when you finally have the time to enjoy it. You have nothing to lose so call and speak to a specialist adviser NOW!
Telephone: 01622 662636 Email:
enquiries@invictaifa.co.uk www.invictaifa.co.uk
Have you reviewed your finances recently?
Invicta Independent Financial Advisers can help with all your financial planning enquiries. We are a local business offering a friendly but professional service to individuals and small businesses. Our specialist areas include:-
• • • • •
Mortgages
First Buy/Shared Ownership Income Protection Life Assurance
Business Assurance
• • • • •
Pensions & Retirement Planning Annuities
Savings & Investments
Trusts & Inheritance Tax Planning Equity Release
CALL INVICTA IFA NOW to speak to a qualified adviser
Telephone: 01622 662636 Email:
enquiries@invictaifa.co.uk www.invictaifa.co.uk
Address: Invicta IFA, 1st Floor Falcon Court, 73 College Road, Maidstone, Kent, ME15 6TF
Registered Office: The Granary, Hermitage Court, Hermitage Lane, Maidstone, Kent, ME16 9NT. Registered in England No. 3330755.
Invicta IFA Limited is authorised and regulated by the Financial Services Authority.
The Financial Services Authority does not regulate taxation and trust advice. There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £395. Your home may be repossessed if you do not keep up repayments on your mortgage.
Have you got news for us? Phone our News Desk on 01622 734735 Malling 7
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