The FREE Pension Review service is designed to provide you with information about your current pension arrangements, to help you to decide whether you need financial advice. You are under NO OBLIGATION to do anything once you have received your review.
We will write off to your current pension providers and then review the information to produce a report for you which will tell you what types of funds your pensions are in and the level of risk in those investments. It will tell you what management and other charges you are paying, how your funds are performing, the value of your pensions and whether your arrangements allow you to take advantage of the flexi access rules.
In more detail, the information provided typically includes:
State Pension Forecast Information
- Age of Eligibility
- Value of benefits up to previous tax year
- Number of years additional contributions to maximum benefit
Personal Pension Information
- Date of Commencement
- Date of Leaving
- Contribution Level
- Employer Contribution/Employee Contribution
- Value
- Transfer Value
- Death Benefits
- Other Features
- Projections to State Retirement Age
- Details of Funds
- Charges
- Details of any guarantees or other benefits
- Whether partial transfers are accepted
Defined Benefit Pensions
- Date of Commencement
- Date of Leaving
- Statement of Entitlement
- Deferred Benefits
- Early Retirement Factors
- Death Benefits
- Other Features
- Scheme Funding Status
- Details of any guarantees or other benefits
- Whether partial transfers are accepted
This information is provided in a Pension Summary document which will allow you to decide whether you need advice about your pensions or not.
No Advice is provided at this stage.
We will also provide you with our Private Client Agreement, which includes a copy of our Fair Processing Notice and details of our terms and conditions.
Once the information has been provided and discussed, you are left to decide whether you want to proceed with advice or not. We will not pester you after that.
To make an appointment call the Office on 01282 614444 or e mail enquiries@ccfps.co.uk
