Why use us?

annuity advisorsRetirement Professionals Ltd are based in Worsley, Manchester. We offer full financial advice through our in house Independent Financial Advisers. The minefield that is pensions and investments can be a confusing place. Our hassle-free service enables you to speak to one of our advisers to discuss your pensions and investments face to face, on the telephone or via a visual online platform. Everyone in our team takes pride in delivering an excellent service to our customers. We also offer financial advice across the spectrum including Annuities, Individual Protection, Group Protection, Financial, Retirement and Inheritance Tax Planning. Your retirement is our business!

Retirement Options

Retirement Options

Your new Pension Freedoms came in to effect from 6th April 2015. What decision are you going to make now you have complete control of your pension?

Guaranteed annuity – Flexi-access Drawdown – Take as Cash – Defer or maybe a blended solution.

Shopping Around

coins-2-smallShopping around for an annuity can increase your retirement income by as much as 30%. After deciding what level of income you need, you should shop around and compare rates.

This is called using the ‘open market option (OMO)’. This means you don’t have to take the pension offered to you by your provider, but can take your fund to another provider to get a higher rate.

Shopping around can increase your retirement income by up to 30%. Each year people throw way £1bn in pension income through not shopping around, so it’s important to read the advice on shopping around included in your wake-up pack.

What are Annuities?

annuity advisorsAn annuity is a financial product that allows you to convert your pension savings into a regular income that will last you for the rest of your life. There are a variety of annuities for you to choose from that are suited to you and your partner’s needs. You can only buy an annuity if you have a defined contribution workplace pension or a personal pension – defined benefit, or final salary, pensions pay you an income directly, so there’s no need to buy an annuity.

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