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"We need to plan in advance so we can enjoy a secure retirement later."

Pension Planning

SN Financial specialise in providing professional advice to help ensure that wherever possible, retirement does not necessarily mean uncomfortable financial compromises and disappointment.

We provide bespoke portfolio planning and investment risk strategies to help you build your pension pot for retirement; this is monitored regularly with our quarterly review service.

We also assist clients with post retirement planning and income strategies to include annuities and flexi-access income drawdown.

With the media seemingly awash with stories about how the UK may be facing a pensions crisis and the increased likelihood of individuals experiencing significant challenging reductions in their income levels at retirement, the need for professional advice has never been more important.

Most private sector final salary related schemes are closed to new members and workers outside the public sector are facing an increasing and unwelcome responsibility for taking control of their own retirement planning.

When all these factors are considered against the backdrop of people in the UK living longer and experiencing uncertain economic conditions, it is vital that individuals receive bespoke pension advice and forward plan to make provision for their retirement. This should involve an estimation of the size of fund necessary to generate the income that they foresee will be needed, how much they need to save to reach this goal, but more importantly, the correct structuring of benefits at retirement and the best vehicles and investments to deliver these requirements.

Pensions come in a variety of shapes as might be expected.

Pension Freedom

New pension rules which give you far greater flexibility over what you can do with your pension pot came into force on 6 April 2015. This includes being able to access your entire pension value and choosing how to take your income throughout your retirement.

This enables pension plan holders to take full advantage of these freedoms but it is essential that careful consideration is given by plan holders to ensure they benefit from their pensions over both the short and longer term.

Such important considerations include:

How and when to take your tax free lump sum?

How to take your pension as a series of lump sums?

Understanding the greater death benefits pensions freedom provides your family

How to set up income drawdown to receive regular income?

How to manage your investment risk?

With “Pensions Freedom” comes pension’s responsibility!  SN Financial Services Ltd specialise in helping you manage your retirement income.


We have a specialist department to help find lost pensions. Get in touch to find out more.


Ask your pension provider if you can nominate someone to get money from your pension pot after you die. Contact us to arrange your Nomination of Beneficiary.

Click here to download our initial disclosure document outlining our terms of business, fees, charges and service levels.

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