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I am approaching retirement and need impartial advice on buying a retirement annuity

There is an industry campaign to encourage the nearly retired to shop around for their retirement annuity.  The best deal is not necessarily with the Insurance Company with which you have saved with.  If you appoint we will provide you with options suited to your needs.

In most cases the retirement annuity you have been quoted can be bettered, particularly if you qualify for an enhanced annuity.  For further information please see this link from the  and consider the following 3 questions, the answers to which may qualify you for an enhanced retirement annuity:

  • Do you smoke?
  • Are you currently taking prescribed medicine?
  • Have you ever been hospitalised due to a serious medical condition?

 for more about retirement annuities.

We do not have a Will. Can PML Financial Services help with this?

We can provide you with a full service offering advice relating to Inheritance Tax Planning and we also work closely with Solicitors so that the Will that they draw up meets your needs.

 for more about how we can help with your Will.

How will I be charged for the work PML Financial Services carries out?

PML Financial Services will either charge a fee (and VAT where applicable) or agree Adviser Charging if we have recommended a product whereby an agreed figure is taken out of your arrangement before investment.  For Advisory Clients –an ongoing agreed level of remuneration may be taken out of the fund on a regular basis.

 for more about our services and charges.

I am a Company Director concerned about the complexities of Auto-Enrolment. Where can I get independent advice?

We can provide you with a report leading up to your Staging Date to get you ready for Auto-Enrolment.  Many existing Company Pension Schemes and Group Personal Pensions can be used in the new Auto-Enrolment world with a few tweaks and amendments.  Otherwise we can implement a new scheme for you or advise on the Company joining NEST (the National Employment Savings Trust) if required.

for more on auto-enrolment.

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