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Enhanced annuities work in the same way as a standard pension annuity but also consider your lifestyle and health conditions. If you qualify for an enhanced annuity you would expect it to provide more income for the rest of your life than a standard pension annuity would provide.
A lifetime pension annuity is designed to provide you with an income and is payable for the rest of your life as a minimum. The funds that you have saved into your pension pot are used to purchase an annuity either from your existing pension company or from a new pension income provider.
A Fixed Term Annuity is a type of Guaranteed Drawdown product designed to allow you to access your pension in a more flexible manner than purchasing a set income for the remainder of your life which is what a lifetime pension annuity does. They provide a guaranteed return on your investment.
Flexible Access Drawdown products provide a flexible way to take your pension and range from relatively low risk products with guaranteed returns to high-risk products investing in all manner of asset classes. Whilst providing flexibility they do not give a guaranteed income for the whole of life.
When you are 55 or over you can access your pension and, if you wish, take a tax-free lump sum. You can then invest the remainder in a pension product and either take an income or keep it invested. You can normally take up to 25% of your investment tax free and use this money as you wish.
If your pension has not been crystalised (accessed previously) you can take a tax-free lump sum from the pension investment. This is normally in the form of a 25% tax free lump sum payment, but some types of pension schemes do have enhanced benefits and permit more than 25% to be taken.
The Basic State Pension is available to men born before 6th April 1951 and women born before 6th April 1953 and the New State Pension available to those born later. We have links to the Government information pages and the State Pension Age Calculator and a link to obtain your State Pension Forecast.
Is a way of taking some of the equity (investment wealth) built up in your property as tax-free cash to provide additional income in retirement or to pass over inheritance money to the family before dying, repay other mortgages or borrowing or to just spend on something you have always wanted.
After spending many years in a retail and travel background both in the UK and in Europe Russ moved into Financial Services. He is keen to ensure that the best of both industry sectors is provided by Pension Annuities Direct and that this is delivered through the customer experience we provide.
Paul has spent many years in financial services working both with banks, building societies and as an Independent Financial Adviser. Paul strongly believes that all consumers should be granted easy access to the most competitive products available in the market place.
Paul has vast experience in all elements of financial planning and enjoys taking a life planning approach with his clients realising their goals through their finances. Paul has retained his clients for many years. It is not simply a ‘one off’ visit, but a deep relationship. When not advising, Paul serves as a Trustee to two local charities.
Samantha joined the Pension Options Direct team in 2017, working as a P.A for Paul Northmore. She has previously worked in various roles for different Estate agents dealing with all aspects of buying and selling property. Samantha enjoys spending time with her husband and her two children.
