Pension choices – why it pays to think before you act

• How to make the most of your pension savings
• The pros and cons of pension consolidation
• What to consider before taking tax-free cash
• How flexible drawdown and annuities compare
• Why early planning gives you more control and peace of mind

At Waterhouse Financial Advisers Ltd, we can help you understand your options – whether that’s bringing your pensions together for easier management, accessing tax-free cash, choosing between drawdown and annuity, or finding the right mix of flexibility and security.

With the Autumn Budget approaching and possible changes to pension rules on the horizon, now is a good time to review your plans. Careful planning today can help ensure you have both freedom and peace of mind in the years ahead. Our advisers will take the time to understand your goals and circumstances, then guide you through the decisions that matter most – so you can feel confident your retirement plan is right for you.

The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated. The Financial Conduct Authority (FCA) does not regulate Will writing, tax and trust advice and certain forms of estate planning.