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You should remember that past performance is not necessarily a guide to the future. Market and currency movements may cause the value of units, and the value derived from them, to fall as well as rise and you may get back less than you invested when you decide to sell your units. The tax treatment of investments and pensions is not guaranteed and may change in the future.  
Your home is at risk if you do not keep up the  payments on a mortgage
You should read our Annuity section first to have a clearer understanding about Annuities
What is a Flexi Access Drawdown

Instead of giving your pension fund to an insurance company in exchange for an income,  (annuity) it is possible to leave the pension fund invested and take an “income” from the fund every year.

Why do that?

Until recently is was mainly to defer the Annuity decision and have control over how and when you take the income from your pension fund. However, under the new rules there are some major tax advantages for your descendents that may influence your decision.   
If you die before your partner the fund can be used by your partner to carry on Flexi Access Drawdown or buy an annuity for themselves or if you have no partner or they have died before you the fund can be passed to the family free of inheritance tax but may be subject to income tax.

So Flexi Access Drawdown offers great flexibility but they are not suitable for everybody!!!
Click here to read on ..................
THE ADVICE CENTRE - making sense of a complicated world
Flexi Access Drawdown