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Pensions - pre-retirement, and retirement It used to be the case that when people retired they'd gratefully accept whatever their employer would pay them for a pension, or whatever annuity the pension company would give in return for the funds invested. Not any more. It doesn't matter whether you have a personal pension, a private-sector employer's pension, a Self-Invested Personal Pension, a public-sector pension or a selection of smaller, different pensions from different times in your working life; these days, you have real choices which can dramatically improve your retirement income. Your pension provider is required by law to recommend you look at "Open Market Options" - in other words, you should check to see if another pension provider can do better terms than the one you've saved with. Orkney IFA can undertake a whole-of-market review for you, free of charge, to let you see what your options are. In many senses, this is the time of your pension life when you need advice more than at any other. Decisions you make now are with you for the rest of your life and the difference between the best decision and the worst could be measured in thousands of pounds of benefits lost. Everyone's different, of course - different ambitions, fears, health, and outlook. Different sizes of pension fund. We're expert in showing you the options you have and in helping you to decide what to do in your own best interests. Special Note - NHS Orkney We're offering a special advice service for employees looking at options under the Review - as well as other public sector employees - to help your decision-making. The service isn't sponsored by - or in any way connected to - NHS Orkney, and is completely confidential.
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