Robertson Jones Wealth Management Ltd
We care and have the patience to explain and explain again without jargon.
changing.
The government has said it wants everybody who’s a member of a defi ned contribution pension scheme to get free guidance. What do you think the impact of that is going to be?
Guidance is fi ne in that it will help people understand what they can do, which is a useful fi rst step. But what most will want to know is what they should do, which is what advice is about. It will mean that those people who want to do things for themselves – who are happy to get information – will be facilitated and will be able to make those decisions. But that’s not the reality for most people. I think most people want advice.
Do you think the need for retirement planning has changed?
No, quite simply because the average size of a pension pot is still very small. The Association of British Insurers reported that 60% of people who retired in 2013 had a pension fund of less than £30,000; 30% had less than £10,000. With numbers as small as that, changes in the way you take your benefi ts won’t really make a big diff erence. But what the changes should do is prompt action by people who want to invest for their retirement. That need hasn’t changed.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
Kindly provided by Guy at
Robertson Jones Wealth Management 01786 822 291
nb. Information correct at time of article prior to Autumn Statement changes.
Guy Jones BSc (Mech. Eng), APFS Chartered Financial Planner We help you with:
• Local, bespoke, confi dential service. • Estate and Inheritance Tax Planning. • Retirement Planning. • Tax relief and tax effi ciency. • Long-term Care Planning • Investment growth and diversifi cation. • Protection.
To fi nd out more, contact Guy on 01786 822 291
guy.jones@
sjpp.co.uk www.rjwm.co.uk
23 High Street, Dunblane
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