Contact Details

James Hancher, Chartered Financial Planner

Retirement & Pension Expert at Balens Financial Ltd


07917 712 564

Most people recognise that it is wise to plan for their retirement. This is especially true for those who are hoping to retire before the usual State Retirement ages.

Putting aside a regular amount of money during your working life is probably the most appropriate method to ensure that you will have sufficient income during your retirement. Investing into a Pension plan has historically been the most popular method of making these regular commitments. The tax advantages offered by the UK Government provide the opportunity for your Pension Fund to grow with virtually no tax. You are also currently allowed to draw a significant amount of your pension fund as a lump sum with no tax payable. (NB. The levels bases and relief's from taxation may be subject to change).

We can  explain to our clients the differences between the various types of pension arrangement, whether you are employed, self employed or taking time away from day to day working perhaps as a carer or to raise your children.

It is becoming increasingly popular for people to use other methods of saving money for their retirement, such as ISA's. If you would prefer to use arrangements other than Pensions please refer to the sections of this website dedicated to Savings or Investments. As always in Life there are pros and cons for any choice! - we generally advise a combination of vehicles rather than relying on any one.

The levels, bases and reliefs from taxation may be subject to change.