Will you have enough income when you retire?

Early pension planning is the key to a financially stable retirement. A well-prepared pension plan can help provide financial security and enable you to maintain the lifestyle you have become accustomed to prior to your retirement. Your state pension is likely to be a small part of your retirement income, with the greater part derived from contributions made by you and your employer during your working life. Often people who do not plan for their retirement are caught out by the shortfall between what they expected to receive and what they actually receive.

Pensions are a tax efficient way to save for your retirement. Under the current rules tax relief at your marginal rate is given on personal contributions invested and the pension fund grows free from capital gains tax. In addition, pensions sit outside of your estate for inheritance tax purposes, therefore they can pass through to your beneficiaries free of inheritance tax.

Planning for your retirement starts long before you reach pensionable age with your income in retirement coming from a number of sources. At IPFM, our advisers are experienced in reviewing pension schemes and advising on pension plans for clients of all ages and incomes. We assess your current position, income, affordability, contributions, risk tolerance and capacity and your desired retirement income to create a bespoke plan specifically for you. As part of our ongoing service we review your pension regularly to help ensure you are on track to achieve your retirement goals.

IPFM’s pension services include:

  • Existing Pension Arrangement Review and Audit
  • Pension Funds and Performance
  • Pension Consolidation and Transfers
  • Retirement and Phased Retirement Planning
  • Pension Income via Annuity, Term Annuity, UFPLS, Flexible Drawdown

IPFM can provide advice on a variety of pensions including:

Personal Pensions, Stakeholder Pensions and Defined Contribution Schemes, SIPP, SASS, Auto Enrolment, Workplace Pensions and Corporate Pensions Schemes.

Helping individuals and businesses for over 30 years

Corporate Pension Services

At IPFM, we can help you navigate through the minefield of options, and create a pension scheme that suits both your organisation and your employees. Whether you have 1 or 1000 employees, you tell us what matters to you.

As independent financial advisors, we are not tied to any banks, brokers or other organisations, so we can research a wider market to find and manage the package that exactly suits your company.

IPFM’s corporate pension services include:

  • Company Pension Schemes
  • Auto Enrolment
  • Employee Income Replacement Cover
  • Employee Life Insurance Cover
  • Employee Critical Illness Cover
  • Company Healthcare Schemes
  • Key Person Insurance
  • Company Investment Portfolios


Individual Pension Services

When it comes to planning for your retirement, there are so many choices to be made. Stakeholder versus personal pension, unit linked versus with profit, pension or investment plan?

At IPFM our Personal Pension Planning Service is designed to be as simple as possible for you.

We begin with a full audit of your pension history, current income, assets and equity and your future goals, such as retirement age and desired income. As independent financial advisors, we are not tied to any bank, broker or organisation, so we can research a wider market to create a pension plan that is just right for you.

IPFM’s personal pension services include:

  • Existing Pension Arrangement Review and Audit
  • Retirement Planning
  • Investment Annuities/ Conventional Annuities
  • SIPPs (Self Invested Personal Pension)
  • Phased Retirement /Income Drawdown
  • Life Changes and Your Pension (such as divorce, bereavement & career breaks)