New pension legislation has had a profound effect on pensions and retirement planning. The freedoms introduced offer significant benefits to many, but they also present potential risks for the unwary. The retirement and tax planning opportunities provided by the changes may prove particularly beneficial if used correctly. However, it is likely to prove essential to obtain the correct advice if you are to achieve optimum benefits rather than risk your future financial wellbeing. Alexander Douglas Limited specializes in pensions and retirement planning. It holds the Financial Conduct Authority’s regulated permission for “Advising on Pension Transfers and Pension Opt Outs” and is an authorized, independent Final Salary Pension Transfer Specialist.

Alexander Douglas Limited develops and implements tailored retirement planning strategies for individuals wishing to achieve optimum benefits in retirement. Our comprehensive service is committed to delivering clear, practical and accurately tailored financial advice that help our clients meet their financial objectives. We should also be pleased to liaise with your legal and accountancy advisers where appropriate. Our areas of expertise include:

Saving for retirement
You may now save for your retirement confident that at retirement you may obtain immediate access to all of your retirement savings. However, it is important to note that not all pension arrangements will provide this or other options. It is essential to obtain correct advice on pensions and retirement planning to ensure you achieve maximum freedom and benefits from your retirement savings. 

Choices at retirement
Choices on how and when you may take your retirement benefits are now many and varried. However, not all pension arrangements facilitate all the choices now available. It has become increasingly essential to obtain correct advice on pensions and retirement planning to ensure you achieve maximum freedom and benefits and make the right decisions at the right time.

Pension & Divorce
Whether you are a donor or beneficiary of a pension following divorce how can you be sure you are making the right choices with your resulting pension arrangement. It is essential to obtain correct advice on pensions and retirement planning to ensure you achieve optimum benefits in your retirement. 

Final Salary Pension Transfers
Final salary pension arrangements do not offer the freedoms introduced by pensions legislation in April 2015. However, it may be possible to transfer your final salary pension to an arrangement that facilitates the new pension freedoms. It is essential to seek advice from an independent Pension Transfer Specialist prior to any decision.