Defined Benefit or Final Salary scheme reviews and transfers
Transfers out of defined benefit (DB) pension schemes, sometimes called final salary, should never be taken lightly since they always involve a range of guarantees that would be given up on transfer. In the right circumstances however it can still be advantageous and worthy of consideration.
The government has introduced new pension reforms that require all employers to enrol their staff into a qualifying workplace scheme if they are not already in one. Calvert Financial Solutions can help you make your business compliant , guiding you through every step in the process with a minimum of fuss and the best choices for your business and it’s employees.
The art of sound investment planning sits at the heart of helping you to reach your key financial objectives. Our dedicated risk profiling system and investment solutions will enable us to develop with you a range of strategies designed to match your short, medium and longer term financial goals.
Planning for your future retirement and managing the period of retirement has become increasingly important as the reliance on future state pension provision has become so much more uncertain. With increasing good health in our mature years, the longevity of retirement means there is now even greater pressure to ensure that there is a long-term income stream available to help you enjoy this life stage.
Financial Protection – Personal and Business
For business owners it is crucial to protect the business assets and especially it’s key people. We can provide you with expert advice on the most effective means of protecting your financial future and the long-term well being of your family should any difficult circumstances arise. This includes areas such as life assurance, income protection, and critical illness solutions.
Inheritance Tax Planning
Protecting your wealth for future generations and mitigating future potential tax liabilities requires specialist financial advice, in what is a complex but vital aspect of good financial planning. Estate planning is not regulated by the FCA
The number of financial options and decisions you are faced with when you reach retirement can sometimes feel overwhelming. We have years of experience in advising clients with how best to make use of their retirement funds to suit their attitude to risk and individual circumstances.
The value of the investments can go down as well as up and you may not get back as much as you put in.