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Latest News

Soaring housing costs hit millennials

People aged 20-30 – the 'millennials '- are devoting 23 per cent of their income to housing costs, reports the BBC. This compares with...

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23 Oct 2017

More caught by lifetime pension allowance

Many more people are being caught by the 'lifetime allowance' for pensions, says the Telegraph. It has been reduced in stages from £1....

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20 Oct 2017

Student debt: who won't repay?

The amount of a student loan that someone repays can be predicted from the profession they enter, says the Telegraph. A graduate entering in...

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19 Oct 2017

Latest Blogs

18% of people aged 50 or over have been targeted by potential scammers

According to research by Retirement Advantage, 1.8 million people have been offered unsolicited free pensions advice or investment opportuni...

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10 Aug 2017

Where to turn when you need financial advice and more... An interview with Glen Callow

Getting good quality, independent financial advice has never been more important. With complex tax, legal and regulatory changes it is nigh ...

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27 May 2016

Retirement Planning

Pension Freedoms
It cannot be overstated that pensions remain an extremely tax efficient way of providing for retirement versus other savings vehicles.  

The recent changes to the rules in how we access our pension bring both flexibility and risk.  In the light of these new freedoms, we help clients understand their options and the benefits / pitfalls of each.

We work with our clients to define a clear strategy to reach their retirement income objectives, providing clear forecasts of the required contribution levels to help them get there; whilst considering the level of risk they do / do not need to take.

Our Pension Advice
We offer advice on traditional personal pensions and more complex structures with wider investment potential such as Self Invested Personal Pensions (SIPP) and Small Self Administered Schemes (SSAS).

This might include investment directly in commercial property, perhaps the property from which the client's company trades.

Contributions (of up to *£40,000 pa) into your pension plan attract income relief at your highest rate (up to 45%) and benefit from growing in a largely tax exempt environment until such point where benefits are taken.  At retirement, (55 years earliest) funds are accessed via an optional tax free lump sum of up to 25% with the remaining fund providing a taxable income.  Corporate contributions attract corporation tax relief at the highest rate as long as they meet the 'wholly and exclusively' rules.

Please contact us to arrange a comprehensive review where we can outline our approach and advice in more detail.

*unused allowances from previous years may be able to be carried forward, enabling much greater levels of contributions.

Call Prime Today - we're here to help

If you would like to arrange a free, no obligation meeting please contact us on 0845 872 2099 or email: