Personal pensions

Self Invested Personal Pensions (SIPPs) for individual investors can provide greater control over your funds and more flexibility when drawing an income in retirement as well as access to a much broader range of investments. They are also an option for self-employed individuals who do not have access to an occupational pension scheme.

Your retirement plans are individual – your pension should be too. Our focus is on providing a bespoke pensions service for every client befitting their own specific needs, circumstances and aspirations. There are no quick fixes or one-size fits all solutions and nothing about your pension fund will be off the peg.

Our whole-of-market approach means our advice is not restricted to a limited range of product providers. We firmly believe this is a key component of providing value for money for clients. And means there is the flexibility to choose exactly how your pension fund is invested from a wide variety of asset classes.

Our task to understand the complex legislation, compliance and procedures and explain it all to you in a way that is both accessible and easy to understand. We have SIPP advisers who are experienced, reliable specialists with a proven track record in the pensions profession.

The Financial Conduct Authority does not regulate taxation advice.

The value of investments (in a pension) can go down as well as up and you may get back less than the amount invested.

Where a client’s circumstances require specialist advice, and the local office does not hold the necessary permission from the Financial Conduct Authority, we can draw on the wider specialist expertise available within Perspective Financial Group Ltd nationally. Many of our financial planners hold advanced qualifications in specialist areas of advice, as well as having decades of experience in solving almost all financial planning related issues.