Pension Planning

Pensions advice

Pensions are one of the most important financial vehicles to secure your future.

They are also a very efficient way to save for retirement especially when considering tax reliefs and employer contributions.

There are a wide range of investments and different pension vehicles you can consider.

Here are some of the types of pension we can help you with:


Personal Pensions

Tax efficient Retirement Planning available to many clients. It is crucial to select the very best funds and fund managers to achieve realistic returns, all within a plan with the right terms & conditions and an effective and reasonable charging structure.

Stakeholder Pensions

A form of Personal Pension whereby the fund choices are more restricted, but with the benefit of a low and fixed cost structure.

Workplace Pensions / National Employment Savings Trust (NEST)

Low cost pension arrangements where the employer must make a contribution which is available to all employees.  Fund choices are restricted and professional financial advice is required to optimize future potential returns.

Final Salary Pensions

“Gold Plated” employer based schemes (mainly public sector) with built in guarantees based upon final salary and years of service. These are becoming less common as many employers no longer want or can afford the unlimited liability that such schemes bring.  Transfer values of many of these schemes have recently improved and with the new pension freedoms, an analysis of the options now available should be made by a pension specialist.

Group Personal Pensions

These have largely replaced Final Salary Schemes, as these do not carry the liabilities of final salary schemes. Effectively an employer sponsored Personal Pension. It is essential that professional financial advice be sought to maximise returns.

Employer Sponsored Pensions / Salary Sacrifice

SIPP, SSAS, Section 32 – G Rogai Financial Services Limited currently refers enquiries to a specialist in this field.

Crystallisation of Pension Benefits

The choices now available can be baffling for those clients approaching retirement age.  The various methods of producing income each have their inherent strengths and weaknesses.  Professional financial advice in securing the most appropriate and tax-efficient retirement income has become a necessity.

 The tax reliefs referred to throughout this site are those currently applying in the United Kingdom to UK tax residents. These reliefs are liable to change.  The value of any individual tax relief will depend on the individual circumstance of the taxpayer.

The value of your investments can go down as well as up, so you could get back less than you invested.

The Financial Conduct Authority does not regulate SSAS, Final Salary Schemes or Workplace Pensions/NEST Advice.