PENSIONS AND RETIREMENT PLANNING

Whether you are still saving for your retirement or you are approaching retirement and want to consider the options available to you for accessing your pensions, we can guide you through this often complex area of financial planning in plain English.

Whether you are just settling in to your new career or mid-way through, it is never too late to review your pension provision. We can help you identify the most efficient way to build your savings for retirement taking into consideration your personal goals and the standard of living you wish to achieve in your later life. We fully consider your objectives alongside your attitude to risk and time-horizon to your planned retirement age to recommend a suitable retirement savings vehicle. We are also able to offer cashflow modelling as another tool to demonstrate what your retirement may look like and stress-test these with different inflation rates, market performance and withdrawals.



At PJL Financial Services Ltd, we also have an in-house Pension Transfer Specialist who will be more than happy to advise on personal pensions, company pension schemes and relevant transfers.

If you are considering retiring, we ensure that you fully understand all of your options around how to access your pension. Whatever your retirement planning needs are., our team can enable you to make an informed decision about your future

WEALTH AND INHERITANCE TAX PLANNING

Whether it be income tax, capital gains tax or Inheritance Tax, the UK taxation system is highly complex and continues to evolve with time. Our experienced advisers are able to provide bespoke advice taking into consideration your individual circumstances to help you better understand the UK taxation system and maximise the benefits of any tax reliefs that may be on offer to enable you to take control of your financial future and retain as much wealth as possible.

Planning to protect your estate is one of the most important aspects of financial planning but often over-looked, our holistic approach to advice allows to identify any future tax liabilities such as Inheritance tax and the mitigation strategies you can implement to pass on your wealth to your loved-ones in a bona fide way.

SAVINGS AND INVESTMENTS

In these uncertain times, with interest rates and inflation on the rise, it is more important than ever to ensure that your savings and investments are working hard for you. While cash savings provide an essential safety net, the low interest rates still being offered by many banks and building societies means that your capital may fail to keep pace with UK inflation rates, meaning your buying power over the long-term diminishes.

Our experienced Advisers take the time to fully understand your current circumstances and financial objectives and we pride ourselves on ensuring any savings or investment product fits your individual needs taking into consideration your risk appetite and capacity for loss.

 We offer a helping hand in guiding you through the complex choice of investments and implement a bespoke portfolio across different asset classes tailored to your risk attitude

Whether you're looking for a regular income to enjoy now or the potential for capital growth to enjoy in later life, we can help.

MORTGAGE ADVICE AND SOURCING

In the current market, securing the most suitable mortgage can be a daunting prospect and that’s where our dedicated team can support you. We provide mortgage consultations free of charge and as Independent Mortgage Advisers, we are not tied to a limited panel of mortgage lenders, instead our whole of market access allows us to advise and recommend the most suitable mortgage product across an extensive range of mortgage lenders. We take the time to understand your personal circumstances, help you decide what your can afford to borrow and discuss with you the most suitable mortgage products on offer and take the time to explain the product features to ensure it meets your needs. 

Whether you are a first-time buyer, purchasing a new property, re-mortgaging your current home or a residential landlord, our dedicated Mortgage Advisers are here to assist you in all aspects of your property journey.

Our expert advice and guidance is provided throughout the whole process from application to completion. We take the time to explain the features of the most suitable mortgage products available to you so you fully understand your options before applying on your behalf, freeing up your valuable time. You can rest easy knowing all your mortgage needs are in capable hands.

Considering property investment? Feel free to download our comprehensive Buy-to-let Guide here

Warning: Your property may be repossessed if you do not keep up with repayments on a mortgage or any debts secured on it.

Equity Release

We are proud to be members of the Equity Release Council and operate under their Principles and standards at all times. 

You may be considering releasing capital or income from your home to support a family member or provide a nest-egg for your retirement, there are a range of different circumstances for which equity release may be suitable.

As one of the largest assets for many individuals, you may be considering releasing equity from your home to release capital or income in your retirement as means to enjoy your later-life or to provide necessary retirement income. You may be considering providing a gift to family members as you would prefer to see them benefit now rather than in the future when your beneficiaries may be more financially secure.

As Independent Equity release advisers, we are not tied to a limited panel of providers, instead our whole of market access allows us to advise and recommend the right product to suit your individual needs.

Furthermore, we do not charge you application fees or completion fees throughout the process, instead we receive a procuration fee directly from the equity release provider.

We take the time to understand and consider your individual circumstances and tailor our approach to ensure you fully understand the products and fully explain the benefits and drawbacks along with suggesting alternatives that you may not have considered.

Our face-to-face approach ensures we fully understand your personal circumstances and priorities. We provide all of the information you require and answer all of your questions to ensure you make an informed decision. We always welcome your family members to be present at any of our meetings and allow you to consider your next steps in your own time. 

If you would like to understand in more detail as to whether equity release is a suitable option, our dedicated Equity Release Advisers are here to assist you every step of the way.

Warning: Your property may be repossessed if you do not keep up with repayments on a mortgage or any debts secured against it.