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Pensions

Pensions have received a bad press in recent years and this is unfortunate and in most instances unfair. For most of us, a pension remains the means by which we can enjoy a comfortable retirement.

Tax Efficiency

For most people, pensions are the most tax efficient savings plan they will have the opportunity to join.

Pension Returns

Pensions are really long term saving plans. Like all investments, some do well and others not so well.
Pensions should be reviewed regularly to ensure they are still on target and also to check that the underlying investments fund is still performing adequately.

We can help to ensure your retirement really can be the time of your life!

SIPP - Self Invested Personal Pension

A SIPP is actually a “wrapper” within which assets such as commercial property can be purchased and held within the pension.

When used correctly, a SIPP can enable individuals to purchase property for their retirement, in a tax efficient manner.

However, please note that active management and investment expertise are needed for a SIPP, that charges may be higher than for a personal pension or stakeholder plan, and that commercial property may be illiquid at certain times.

Before You Retire!

When you are at least considering retiring, just pause. The company you have saved with over the years, may not be offering you the best (annuity) monthly pension with your money. You have the right to literally shop around to find the best deal you can. The amount of money offered by the different pension companies, i.e. the monthly sum you will receive in retirement, can vary greatly.

Furthermore, the choice of options open to you may seem confusing, e.g. 5 or 10 year guaranteed annuity, whether to include a pension for your spouse or not, and the possible impact on claiming state benefits etc.

No one should consider actually retiring without seeking financial advice.

Call 0151 339 4757 and ask for John Parry.

 

BMS Financial, Independent Financial Advisers. Registered in England. No. 5800802. Registered Address: 11 Juniper Drive, Great Sutton, Cheshire, England, CH66 2YW. 

This site is maintained by ConsultNet Ltd ConsultNet Ltd

 

 

 

 

 

BMS Financial Ltd are independent financial advisers based in Great Sutton, Cheshire provide independent financial advice in Tarporley, Cheshire, Northwest, UK and all surrounding areas Alderley Edge, Alsager, Bollington, Chester, Congleton, Cranage, Crewe, Culcheth, Daresbury, Ellesmere Port, Faddiley, Frodsham, Grappenhall, Hale, Handforth, Haslington, Holmes Chapel, Kingsley, Knutsford, Lower Whitley, Lymm, Macclesfield, Malpas, Middlewich, Nantwich, Neston, Northwich, Penketh, Poynton, Prestbury, Runcorn, Sale, Sandbach, Stockton Heath, Tarporley, Warrington, Widnes, Wilmslow, Wincham, Winsford, Wistaston, Acton Bridge, Agden Brow, Allostock, Alvanley Anderton, Antrobus, Arley, Aston by Budworth, Barnton, Billinge Green, Bostock, Bucklow Hill, BUPA (Stretton), Castle, Comberbach, Crowley, Crowton, Cuddington, Davenham, Delamere, Delamere Park, Goostrey, Gorstage, Great Budworth, Greenbank, Hartford, Hatchmere, High Legh, Holmes Chapel, Kelsall, Kingsley, Kingsmead, Knutsford, Lach Dennis, Leftwich, Leighton Hospital, Little Bollington, Little Budworth, Little Leigh, Lostock Gralam, Lostock Green, Lower Peover, Lymm, Marston, Marton, Mere, Middlewich, Millington, Mobberley, Moulton, Norley, Northwich, Oakmere, Oughtrington, Over Peover, Pickmere, Plumley, Rudheath, Sandiway, Shurlach, Stanthorne, Tabley, Utkinton, Weaverham, Whitegate, Whitley, Willington, Wincham, Winnington, Winsford, Acton , Adlington, Alderley Edge , Alderley Park , Aldersey , Aldford , Allgreave , Alsager , Alvanley, Anderton, Ashley, Ashton, Astbury, Audlem, Backford, Baddiley, Barthomley, Beeston, Bickley , Bickley Moss , Bollington, Bosley, Brereton Green , Broxton , Bunbury , Burton , Calveley , Capenhurst , Checkley , Chelford, Chester , Cholmondeley , Christleton , Church Coppenhall , Church Minshull , Clotton, Coddington, Congleton, Cote Brook , Crewe, Cuddington , Daresbury , Davenham , Delamere, Disley, Doddington, Dodleston , Duddon , Dunham-on-the-Hill , Eaton, Eccleston , Ellesmere Port , Elton , Farndon , Farnworth , Frodsham, Gawsworth, Goostrey, Great Barrow , Great Budworth , Great Sutton , Hale, Hale Bank, Halton, Handforth , Hankelow, Hargrave , Hartford, Harthill, Helsby , High Legh , Holmes Chapel ,Hough Green, Huxley, Ince, Jodrell Bank , Kelsall, Kingsley, Knutsford, Langley, Ledsham, Little Budworth , Little Sutton, Lostock Gralam, Lymm, Macclesfield, Malpas, Marbury, Marston , Marthall , Mere , Mickle Trafford, Middlewich, Mobberley , Mollington, Moore , Mouldsworth, Mow Cop , Nantwich, Neston, Nether Alderley, North Rode, Northwich, Over , Parkgate , Peover , Plumley, Pott Shrigley , Poynton , Prestbury , Preston Brook, Pulford, Radway Green , Rainow, Rode Heath, Rostherne, Runcorn, Saighton , Sandbach , Saughall, Shocklach , Shotwick , Siddington, Somerford, Spurstow, Stamford Bridge, Stanlow , Stoke , Strines, Swettenham, Tabley , Tarporley , Tarvin , Tattenhall, Tatton, Thornton le Moors , Threapwood, Tilston, Tiverton, Upton, Wallerscote, Warrington,Warmingham, Warren, Waverton, Weaverham, Wervin, Weston, Weston , Weston Point, Wharton, Wheelock , Whitegate, Widnes, Willaston, Willaston, Wilmslow, Winnington, Winsford , Wistaston, Woodford , Worleston, Wrenbury , Wrinehill, Wybunbury

 

 

BMS Financial Ltd are independent financial advisers based in Cheshire also provide independent financial advise in the following areas in the UK

ENGLAND
Bedfordshire (Bedford, Luton, Dunstable, Leighton Buzzard, Biggleswade, Sandy)
Berkshire (Reading, Bracknell, Maidenhead, Newbury, Windsor, Wokingham, Abingdon)
Buckinghamshire (Aylesbury, Milton Keynes, Slough, Buckingham, High Wycombe)
Cambridgeshire (Cambridge, Wisbech, Ely, March, Whittlesey, Chatteris, Linton)
Cheshire (Knustford, Northwich, Chester, Stockport, Birkenhead, Wallasey, Runcorn, Macclesfield, Crewe)
Cornwall (Bodmin, Truro, Camborne, Redruth, St. Austell, Falmouth, Penzance, Newquay)
Cumberland (Carlisle, Whitehaven, Workington, Penrith, Keswick, Brampton)
Derbyshire (Derby, Chesterfield, Ilkeston, Swadlincote, Buxton, Matlock, Ashbourne)
Devon (Exeter, Plymouth, Torquay, Paignton, Barnstaple, Tiverton, Newton Abbot, Tavistock)
Dorset (Dorchester, Poole, Weymouth, Sherborne, Wimborne Minster, Shaftesbury)
Durham (Durham, Sunderland, Stockton-on-Tees, Darlington, Hartlepool, Gateshead, Washington)
Essex (Chelmsford, Basildon, Romford, Southend, Colcheter, Harlow, Brentwood, West Ham)
Gloucestershire (Gloucester, Bristol, Cheltenham, Stroud, Cirencester, Tewkesbury)
Hampshire (Winchester, Southampton, Portsmouth, Bournemouth, Basingstoke, Newport)
Herefordshire (Hereford, Ross-on-Wye, Leominster, Ledbury, Bromyard, Kington)
Hertfordshire (Hertford, Watford, St. Albans, Hemel Hempstead, Stevenage, Hatfield)
Huntingdonshire (Huntingdon, St. Ives, St. Neots, Ramsey, Yaxley)
Kent (Maidstone, Canterbury, Bromley, Rochester, Margate, Folkestone, Dover, Greenwich)
Lancashire (Lancaster, Liverpool, Manchester, Preston, Bolton, Warrington, Barrow-in-Furness)
Leicestershire (Leicester, Loughborough, Hinckley, Melton Mowbray, Coalville, Lutterworth)
Lincolnshire (Lincoln, Grimsby, Scunthorpe, Boston, Grantham, Stamford, Skegness, Louth)
Middlesex (City of London, Harrow, Enfield, Staines, Ealing, Potters Bar, Westminster )
Norfolk (Norwich, Great Yarmouth, King's Lynn, Dereham, Cromer, Hunstanton)
Northamptonshire (Northampton, Peterborough, Corby, Kettering, Wellingborough)
Northumberland (Alnwick, Newcastle-upon-Tyne, Morpeth, Hexham, Berwick-upon-Tweed)
Nottinghamshire (Nottingham, Mansfield, Worksop, Newark, Retford, Southwell)
Oxfordshire (Oxford, Banbury, Witney, Bicester, Henley-on-Thames, Carterton, Thame)
Rutland (Oakham, Uppingham. Cottesmore)
Shropshire (Shrewsbury, Telford, Oswestry, Bridgnorth, Whitchurch, Market Drayton, Ludlow)
Somerset (Taunton, Bath, Weston-super-Mare, Yeovil, Bridgwater, Wells, Glastonbury)
Staffordshire (Stafford, Stoke-on-Trent, Wolverhampton, Walsall, Cannock, Lichfield)
Suffolk (Ipswich, Bury St. Edmunds, Lowestoft, Felixstowe, Sudbury, Haverhill, Bungay)
Surrey (Guildford, Croydon, Woking, Sutton, Kingston-on-Thames, Wandsworth, Wimbledon, Brixton)
Sussex (Chichester, Brighton, Worthing, Crawley, Hastings, Eastbourne, Bognor Regis, Horsham)
Warwickshire (Warwick, Birmingham, Coventry, Nuneaton, Rugby, Solihull, Stratford-upon-Avon)
Westmorland (Appleby, Kendal, Windermere, Ambleside, Kirkby Lonsdale)
Wiltshire (Trowbridge, Salisbury, Swindon, Chippenham, Devizes, Marlborough, Warminster)
Worcestershire (Worcester, Dudley, Kidderminster, Stourbridge, Halesowen, Malvern, Evesham)
Yorkshire
North Riding (Northallerton, Middlesbrough, Scarborough, Whitby)
East Riding (Beverley, Hull, Bridlington, Driffield, Hornsea, Filey)
West Riding (Wakefield, Leeds, Sheffield, Bradford, Halifax, Harrogate)
York (within the Walls)

WALES (including Monmouthshire)
Anglesey/Sir Fon (Beaumaris, Holyhead, Llangefni, Amlwch, Menai Bridge)
Brecknockshire/Sir Frycheiniog (Brecon, Builth Wells, Hay-on-Wye, Talgarth, Llanwrtwd Wells)
Caernarfonshire/Sir Gaernarfon (Caernarfon, Bangor, Llandudno, Conwy, Pwllheli, Porthmadog)
Carmarthenshire/Sir Gaerfyrddin (Carmarthen, Llanelli, Ammanford, Llandovery, Kidwelly, St. Clears)
Cardiganshire/Ceredigion (Cardigan, Aberystwyth, Lampeter, New Quay, Tregaron)
Denbighshire/Sir Ddinbych (Denbigh, Wrexham, Ruthin, Abergele, Llangollen)
Flintshire/Sir Fflint (Mold, Flint, Rhyl, Prestatyn, Connah's Quay, Holywell, Buckley, St. Asaph)
Glamorgan/Morgannwg (Cardiff, Swansea, Merthyr Tydfil, Barry, Caerphilly, Bridgend, Neath, Pontypridd)
Merioneth/Meirionnydd (Dolgellau, Bala, Tywyn, Blaenau Ffestiniog, Barmouth, Harlech)
Monmouthshire/Sir Fynwy (Monmouth, Newport, Blackwood, Cwmbran, Abergavenny, Chepstow, Tredegar)
Montgomeryshire/Sir Drefaldwyn (Montgomery, Newtown, Welshpool, Machynlleth, Llanidloes)
Pembrokeshire/Sir Benfro (Pembroke, Milford Haven, Haverfordwest, Fishguard, Tenby, St. David's)
Radnorshire/Sir Faesyfed (Presteigne, Llandrindod Wells, Knighton, Rhayader, New Radnor)

SCOTLAND
Aberdeenshire (Aberdeen, Peterhead, Fraserburgh, Inverurie, Huntley, Ellon, Turriff)
Angus/Forfarshire (Forfar, Dundee, Arbroath, Brechin, Montrose, Carnoustie, Kirriemuir)
Argyllshire (Inveraray, Oban, Dunoon, Campbeltown, Lochgilphead, Tobermory)
Ayrshire (Ayr, Kilmarnock, Irvine, Saltcoats, Kilwinning, Largs, Troon, Cumnock)
Banffshire (Banff, Buckie, Keith, Macduff, Portsoy, Dufftown)
Berwickshire (Greenlaw, Duns, Eyemouth, Lauder, Coldstream)
Buteshire (Rothesay, Millport, Brodick, Lochranza)
Cromartyshire (Cromarty, Ullapool)
Caithness (Wick, Thurso, Halkirk, Castletown)
Clackmannanshire (Clackmannan, Alloa, Tillicoultry, Tullibody)
Dumfriesshire (Dumfries, Annan, Lockerbie, Moffat, Sanquhar, Langholm, Gretna)
Dunbartonshire/Dumbartonshire (Dumbarton, Clydebank, Cumbernauld, Helensburgh, Alexandria, Kirkintilloch)
East Lothian/Haddingtonshire (Haddington, North Berwick, Dunbar, Tranent, East Linton)
Fife (Cupar, Dunfermline, Glenrothes, Kirkcaldy, St. Andrews, Cowdenbeath, Burntisland)
Inverness-shire (Inverness, Fort William, Kingussie, Newtonmore, Portree)
Kincardineshire (Stonehaven, Banchory, Laurencekirk, Inverbervie)
Kinross-shire (Kinross, Milnathort)
Kirkcudbrightshire (Kircudbright, Castle Douglas, Dalbeattie, New Galloway)
Lanarkshire (Lanark, Glasgow, East Kilbride, Hamilton, Motherwell, Coatbridge, Carluke)
Midlothian/Edinburghshire (Edinburgh, Musselburgh, Penicuik, Dalkeith, Bonnyrigg)
Morayshire (Elgin, Forres, Rothes, Lossiemouth, Fochabers)
Nairnshire (Nairn, Auldearn, Cawdor, Ferness)
Orkney (Kirkwall, Sromness, Balfour)
Peeblesshire (Peebles, Innerleithen, West Linton)
Perthshire (Perth, Crieff, Pitlochry, Callander, Blairgowrie, Rattray, Coupar Angus, Kincardine)
Renfrewshire (Renfrew, Paisley, Greenock, Johnstone, Port Glasgow, Barrhead, Kilmalcolm)
Ross-shire (Dingwall, Stornaway, Tain, Alness, Invergorden)
Roxburghshire (Jedburgh, Hawick, Kelso, Melrose, Roxburgh)
Selkirkshire (Selkirk, Clovenfords, Galashiels)
Shetland (Lerwick, Scalloway, Baltasound)
Stirlingshire (Stirling, Falkirk, Grangemouth, Kilsyth, Bridge of Allan, Denny, Alva)
Sutherland (Dornoch, Helmsdale, Brora, Golspie, Lairg, Durness, Tongue)
West Lothian/Linlithgowshire (Linlithgow, Livingston, Bo'ness, Broxburn, Whitburn, Armadale, Bathgate)
Wigtownshire (Wigtown, Stranraer, Newton Stewart, Whithorn)