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.
A workplace pension is a way of saving for retirement arranged by an individual’s employer. It is sometimes called a ‘company pension’, an ‘occupational pension’ or a ‘works pension’. Automatic enrolment into a workplace pension is an easy, hassle-free way for workers to save for their retirement while they are earning.
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 have several options which are usually designed to replace some (or all) of your employment income.

UK News

Tom Evans says son Alfie has been breathing on his own after life support was withdrawn on Monday.
Valproate will no longer be given to girls and women of childbearing age unless they sign a consent form.
The prince, who is yet to be named, was born on Monday in London's St Mary's Hospital.
John Crilly appealed his murder conviction after the Supreme Court said the law had been wrongly interpreted.
The bronze of suffragist Millicent Fawcett is the first statue of a woman in Parliament Square.