Pensions and Investments advice Wokingham2017-05-19T17:00:28+01:00

Pensions and Investments

Following a change in the FCA rules at the end of 2012, we decided to specialise in mortgages and protection and are no longer authorised to offer advice about pensions and investments.

However, we were determined that our customers would continue to receive the same levels of service that we demand so teamed up with a close associate, Michael Roberts, who is able to help Clark and Poole customers.

Michael’s company, Protect and Invest, is based in Newbury but he spends half the week at our office in Wokingham. Further information about Michael and his company are available here.

Pensions
There are many points in life when you should consider your pension provisions, often at stressful and busy times. For example if you are:

  • Changing job (you may wish to transfer a company scheme, begin a new personal pension, or discuss the new company pension offered)
  • Going through a divorce (understanding the impact of your divorce settlement on your future pension provision)
  • Planning to retire (discussing the options for drawing your pension, understanding your state entitlement)
  • Starting a new family (considering the financial security of your family in the future and the impact if your wife or husband ceases to pay into a pension.)

Your options may be to take out a new pension, transfer an existing one, draw down your current pension or simply understand your current provisions.   Michael will work with you to build a comprehensive plan to ensure that you have considered all aspects of your future financial security.

Investments
It is very important to continually review the performance of your savings as your requirements will change and the performance of investment products may decline over the years. You may find it particularly useful to review your investments if you find yourself in one of the situations below:

  • Your interest rates on existing investments have vastly reduced.
  • You have a lump sum to invest.
  • You would like to avoid inheritance tax.
  • You have a fragmented portfolio that is hard to manage.
  • The administration fees on investments seem high.
  • You would like to protect your savings against the possibility of paying for nursing home fees in the future.
  • You would like to plan for your children’s future university tuition fees.
Michael