Advisory Services

Welcome to Advisory Services. We are an independant financial advise company based in Warwickshire.

 

Mortgages

For Mortgage Services, Advisory Servces is at hand to make the whole process run as smoothly and stress free as possible.

 

Pensions

Planning for retirement is one of the most important investment decisions, that is why we at Advisory Services are here to help.

 

Investments

The range of choices available to investors can be overwhelming without the appropriate help and advice. Here at Advisory Services, we can provide exactly that.

 

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If you would like to know more about any of our financial advice services, please get in touch with us today.

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Pensions

Personal Pensions

The fundamentals of a pension plan are very simple. You put money into a savings fund, it hopefully grows in value and at retirement you convert the fund into a regular income payment, which will replace part, or all, of your earnings from employment.

Income Drawdown

Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it’s unlikely that they will continue to account for as high a % of retirement income products as they have in the past.

Retirement Options 

Planning for retirement is one of the most important investment decisions. After all, the choices you make today will determine the lifestyle you want to lead in the future.

Annuities

An annuity converts the funds from your pension into a regular, secure income payable for the rest of your life.

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PENSIONS

Capped/Flexible Drawdown

Capped Drawdown and Flexible Drawdown offer a more flexible approach to taking benefits from your pension arrangements. The concept is often referred to as income drawdown or pension fund withdrawal and, now that there is no requirement to buy an annuity at any age, it is a popular choice with those who prefer to draw an income from their own fund.

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PENSIONS

Stakeholder Pensions

A stakeholder pension is a type of personal pension arrangement. Stakeholder pensions are widely available from investment companies, insurance companies and high street banks. This type of scheme is a ‘defined contribution’ scheme which means the end value is dependent on how much you have saved over the years, and the investment growth on those savings.

Stakeholder pensions have certain features that make them an attractive option. You can pay in as little as £20 a month and you can stop payments if you need to, and start again when you can, without any penalty, although of course this will affect how much you have in your pension pot by the time you retire. You can move from one stakeholder provider to another without being charged. The annual management fees for newly established plans (which are charged on all pension savings) are capped at 1.5% annually for the first 10 years, then 1% a year after that).

As with all defined contribution schemes, the value of the scheme at retirement will depend on how much you have contributed and the investment growth on those contributions. Including this as part of your pension review will help your decide if your current arrangement remains the most suitable pension arrangement available.

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NEST Pensions

The National Employment Savings Trust, or NEST pension, is one pension scheme that employers can use to meet their pension auto-enrolment obligations. It is designed to be a simple, low-cost option and it will be available to all employers, regardless of size, salary levels, staff turnover or industry.

The National Employment Savings Trust or NEST Pension was introduced by the UK Government and will be operated by The NEST Corporation, a not-for-profit trustee corporation. It will be regulated by the Pensions Regulator.

The NEST pension scheme is in place to guarantee that all employers will have access to a pension scheme which they can utilise to fulfill their pension auto-enrolment obligations. It is designed for employers to use as the only pension scheme on offer to their employees, or to run alongside other pension schemes which may be in place.

The value of investments go down as well as up, you may not get back as much as you initially invested.

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