02890439288 | desmond@emgray.uk.com

Pension Planning

It's important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.


With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.
We all know it’s important to plan for retirement, but many of us are still not planning well, or early enough.
Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.
Starting from October 2012, up to 11 million workers will be automatically enrolled into a workplace pension. Larger employers will go first, with small and medium sized employers following over the next six years. This article provides more information for employees.
The government has introduced a new law designed to help people save more for their retirement. It requires all employers to enrol eligible workers into a workplace pension scheme if they are not already in one.
The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you convert the fund into a regular income payment, which is designed to replace some (or all) of your employment income.

UK News

Council chiefs told police have "reasonable grounds" to suspect the offence may have been committed.
His mother says: "We've had no control over our son's life and no control over our son's death."
Macey Hogan was killed after her mum sent the toddler's father "one last picture" of her.
The Cartier ring was reported missing in August 2011 but its loss has only just been revealed.
A government adviser on equal pay says women are "less proactive" in asking for more money.