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PJ Independent Financial Services FINANCE MATTERS


The thought of reaching retirement can be an exciting prospect, when you can look forward to planning a long holiday or spend more time with your family or just taking time to relax and put your feet up.


The main concern for some people is how they are going to pay for everything once they retire.


– with PJ MORTGAGES (UK) LTD ARE YOU LOOKING TO DRAW YOUR PENSION? ARE YOU LOOKING TO DRAW YOUR PENSION?


The thought of reaching retirement can be an exciting prospect, when you can look forward to planning a long holiday or spend more time with your family or just taking time to relax and put your feet up.


Getting the best deal from your personal pension when you retire. It is a popular misconception that when you retire you must take your pension income from your current provider. You could increase the income


Do you have a Pension with any of the following providers? • Your dependent’s health


The main concern for some people is how they are going to pay for everything once they retire.


from your personal pension when you retire by utilising your Open Market Option. As well as the size of your pension and annuity rates, other personal


Getting the best deal from your personal pension when you retire. It is a popular misconception that when you retire you must take your pension income from your current provider. You could increase the income from


• Aviva (previously Norwich Union) • Friends Provident Pearl • Prudential


• Your health • Your marital status • Your smoker status


01923 232111


• The options you choose to add to your annuity


• Your health • Your marital status • Your smoker status • Your dependent’s health


Standard Life • Skandia FREE, no obligation review.


To receive AN INDEPENDENT, NO OBLIGATION FREE PENSION REVIEW call


We are here to help guide you through the financial options available and explain how an annuity could help you secure an income when you retire.


• The options you choose to add to your annuity


We are here to help guide you through the financial options available and explain how an annuity could help you secure an incomewhen you retire.


your personal pension when you retire by utilising your Open Market Option. As well as the size of your pension and annuity rates, other personal factors can


If you would like to receive FREE, INDEPENDENT, NO OBLIGATION ADVICE then please contact us on 01923 232111. Office: 354 St Albans Road, Watford, Herts WD24 6PQ


PJ Independent Financial Services is a trading name of PJ Mortgages Ltd.


If you would like to receive FREE, INDEPENDENT, NO OBLIGATION ADVICE then please contact us on 01923 232111. Office: 354 St Albans Road, Watford, Herts. WD24 6PQ


354 St Albans Road, Watford, Herts, WD24 6PQ www.pjmortgageservices.co.uk email: pjmortgages@btconnect.com


PJ Mortgages (UK) Ltd are authorised and regulated by the Financial Services Authority. PJ Mortgages (UK) Ltd are authorised and regulated by The Financial Services Authority.


factors can be taken into account when calculating how much income you will receive:-


be taken into account when calculating how much income you will receive:-


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