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Start a Pension - Independent Pension Advice and Planning

Home » Pensions - Personal and Auto-Enrolment » Start a Pension – Independent Pension Advice and Planning

Looking to start a pension?

As independent financial advisers we pride ourselfs on finding the right pension for your indevidual needs from the whole of market.

Please call us so you can ‘Start a Pension’ on 01323 734530

Making sure that we have enough money for the end of our working days is the biggest financial challenge most of us ever face. As we live longer and retirement years increase, solid savings become ever more important.

Your money has more time to grow, and you will get more top-ups from the taxman. If you start a pension early, you can pay in less each month and still match the pension of someone who starts later – or pay in the same which means you’ll have more than they will, come retirement.

You can start a pension scheme at any time – whether you are employed, self-employed or not working. This type of pension is called a personal pension. Once you have set one up you can control how much money you pay into it.

You can save as much as you like into a personal pension. It won’t affect your entitlement to the basic State Pension but it may reduce the amount of additional State Pension you build up. You’ll be able to get tax relief on the amount you put in, up to an annual allowance. So, for each pound you put into your pension, the government tops it up using money it would otherwise have taken from you as tax.

Would a personal pension be good for you?

Your decision will largely depend on how much you can afford to save for your pension and how much you will get from other pensions.

Personal pensions may be suitable for:

- people who are self-employed

- people who are not working but can afford to pay for a pension

- employees whose employer does not offer a company pension scheme

- employees who have the option to pay into a company pension, but choose not to

- employees on a moderate income who wish to top up the money they would get from a company pension

As independent financial advisers we pride ourselfs on finding the right pension for your indevidual needs from the whole of market.

Please call us so you can ‘Start a Pension’ on 01323 734530

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Testimonials

Daniel Cawley from 121 Financial Services was very thorough, reassuring and professional when I contacted 121 for some advice. I went to explore the best deal for a buy-to-let mortgage and Daniel showed an array of deals that I had not found independently. We then exlored other investments that were more suitable for my needs and risk level, and assessed current Life Insurance cover. He has already saved me hundreds of pounds and made me aware of opportunities for investment. Integrity means everything in the world of finance: Daniel has integrity.

Nick R

I would like this opportunity to thank 121 FS for getting me the best deal on my income protection insurance. They explained in detail and in a way that I could understand the differences between my existing policy and my new policy. They were always extremely polite and always professional and have already recommended them to family and friends.

Daniel W

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Contact Info

121 Financial Services
25 Hyde Gardens, Eastbourne, East Sussex, BN21 4PX
01323 734530 - info@121fs.com

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