Pensions

One of the biggest goals in life is a happy, comfortable retirement. At whatever age you plan to stop working, you will want to ensure you have enough money to go with your new-found freedom.

Pensions

Perhaps your aim is to have paid off your mortgage, go travelling or buy that dream holiday home, but it's worth knowing that even the small financial decisions you make between now and then could affect your ability to retire when and how you want.


At Barwells Wealth, we take the time to understand our clients’ unique needs and circumstances so that we can provide them with the most suitable solutions in the most cost-effective way.

With all the publicity in recent years, it's easy to think that finding enough to live on when you retire will be a struggle. While it's true that a badly planned retirement can lead to difficulties, the quality of your future life can be greatly improved by your actions now, and you can take complete control of the outcome. A properly structured financial plan, with the right pension or investment in place, can set you on the road to a fruitful and happy retirement.

A pension is a long-term investment. The fund value may fluctuate and can go down, which could have an impact on the level of pension benefits available.

Your pension could be affected by interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.

What We Do

Investments
Investments

Typically, many of our clients may want to invest money on a regular basis to build up a capital sum for the future. You might be planning for your retirement, looking to generate investment income to top up your pension or saving for a deposit to buy a property.

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Equity Release
Equity Release

We all look forward to the day when we can stop or cut down on the amount of time we spend at work and all of the things we’d like to do once we’ve retired. If you're facing a pension shortfall or need to meet an unexpected expense, equity release may be an option to consider.

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Savings
Savings

Generally, most of us think of saving as putting money aside with no risk, possibly using a bank deposit account, whereas investing conjures up the thought of taking some risk with our money for potentially greater returns. Essentially, both are about creating wealth for the future.

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Inheritance Tax Planning
Inheritance Tax Planning

Contrary to the belief of some, Inheritance Tax not only affects the very rich, but other people may be liable without realising. Few taxes are quite as emotive – or as politicised – as Inheritance Tax.

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