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RETIREMENT PLANNING

Its never too early to start planning

There are many different ‘tools’ used to save for retirement, and the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. 

There are now a vast array of different products that may be used at retirement to provide retirement benefits, from the traditional form of annuity that provides a regular income stream to Flexi-access Drawdown which enables lump sums of benefits to be taken either as a one-off payment or over a given number of years. Given the complexity and choice all individuals now have, it is important to seek independent financial advice before making any decisions.

State Pensions may not produce the same level of income that you will have been accustomed to whilst working. It’s important to start thinking early about how best to build up an additional retirement fund.


You’re never too young to start a pension – the longer you delay, the more you will have to pay in to build up a decent fund in later life.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.

Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore, the tax treatment of pension benefits can and may change in the future.

Devonshire House, 582 Honeypot Lane, Stanmore, Middlesex HA7 1JS

0203 745 5955

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Lotus Benefit Consultants Limited is registered in England and Wales no. 3093707. Registered office, Devonshire House, 582 Honeypot Lane, Stanmore, Middlesex HA7 1JS.

Authorised and regulated by the Financial Conduct Authority. Lotus Benefit Consultants Limited is entered on the Financial Services Register https://register.fca.org.uk/ under reference 186675. If you wish to register a complaint, please write to us at the address above or email us at info@lotusifa.co.uk.

A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

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