Tax Free Lump Sum – Are You Tempted?

Should I use my pension tax free lump sum to pay off my mortgage?

Faced with the possibility of taking a tax free lump sum from your pension fund, you are presented with many temptations.

We're not necessarily talking about buying a sports car or taking a round-the-world cruise, it might be something seemingly prudent, such as using the lump sum to pay off a mortgage to reduce outgoings. 

But, is that such a good idea?

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Can a Drawdown Pension Relieve Financial Pressure?

Can a Drawdown Pension Relieve Financial Pressure?

Last summer we told the story of a client whose ambition had always been to buy a camper van when he retired at 65 and enjoy himself on touring holidays.

Read the camper van case study here.

He spent his working life earning a modest, but by no means spectacular income, but over the years he regularly consulted us and we were able to guide him on pension decisions and, as a result, he was able to retire at the age of 56 and buy his camper.

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Look After Your Pension, So Your Pension Can Look After You

Look After Your Pension, So Your Pension Can Look After You.

Pensions and savings are important to people, they are, after all, what they're going to rely on for quality of life over - hopefully - many years. 

That's why it's so important to make sure that they're protected as much as possible. That doesn't just mean protection from poor investment choices or fraudsters - although this is obviously important. It's also important to protect these precious assets from neglect and ignorance of the various pieces of legislation and tax rules which can be a minefield for the unwary. The best way to guard against this is to always seek professional advice to regularly review your retirement strategy. 

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Every Client is Different.

Every Client is Different. 

People are all different. Their characteristics, priorities, personal histories, family circumstances, financial situations and retirement plans all vary. 

The recognition of this simple truth underpins our whole philosophy at Reeves Independent and informs the way we work with our clients - treating each individual with deserving and individual attention. To ensure that, we also believe in regular two-way communication between our team and the client. 

But how does that work out in practise?

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Time for a Cautious Adventure?

Time for a Cautious Adventure? 

At Reeves Independent we constantly monitor the state of the markets and we advise clients accordingly when we think their interests are best served by an adjustment to their investments. 

We tell them what changes are necessary to anticipate or react to market changes as appropriate, given the level of risk they are comfortable with. Not every IFA does this. 

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