Professional Advice on Annuities

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No matter how old you are, it is never too early to plan for your retirement Here at Opal Wealth Management. our friendly. knowledgeable learn of pension advisers can help save you time. money and hassle by helping you plan your retirement now. We feel that as retirement approaches, you deserve to be able to concentrate on planning how to spend your time rather than on saving your hard-earned assets.


Once you retire, without an income built to support you for the rest of your life, those bills can mount up. leading to unnecessary stress and worry. With our industry knowledge and personal approach, we work with you to build a tailored financial plan, with the aim of giving you financial security in your retirement


Many savvy savers are torn between valuable final salary pensions and investing their hard-earned cash in the financial markets, which, if not guided by those in the know, can lead to losing money.

Naturally, there is no one-size-fits-all solution. What may be the right route for one client is unlikely to be the same for the next. At Opal Wealth Management, we fully assess your individual circumstances, your needs and your preferences. Being aware of your current situation helps us to help you work towards more profitable outcomes in a way that is right for you.    

A Pension is a Long term investment, the fund value may fluctuate and can go down.
Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax Legislation.

The Financial Conduct Authority does not regulate occupational pensions.

An income for your retirement years

1) Gain a pension salary
An annuity is a great way to create income for your retirement. It can also a flexible option, depending on which annuity type is chosen at outset.

2) Peace of mind
If you choose a lifetime annuity, you’ll receive an income for life, which passes on to your chosen beneficiary after you pass away.

3) Tax benefits
An annuity offers a range of tax benefits. When you use your pension to buy an annuity, you can take a quarter of the funds as a tax-free pay-out.

Greater security for your retirement

Annuities are popular with people who would prefer a secured, guaranteed income in retirement. They provide you with an income (either for life, or for a set number of years), which gives financial security after you’ve stopped working.

Opal Wealth Management have helped many clients in the Midlands to maximise the income generated from their pension pots. Based in Wolverhampton, we’re on hand to assist the people in the area; offering advice on how to manage their wealth more effectively, and to achieve their lifestyle goals in retirement.

What is an annuity?

An annuity is a retirement income product. There are different types of annuity, and the best one for you depends on your unique circumstances.

Lifetime annuities (investment-linked and basic) pay you an income for the rest of your life, then this pay-out passes to your nominated loved one after you die. A fixed-term annuity pays an income for a specific period of time, then gives you a ‘maturity amount’ at the end of the term.

Our advisors will explain the types of annuity on offer. We’ll also discuss your plans for retirement, and how much you can afford to invest. Then, we’ll present you with a range of recommended products, based on your requirements.

Once you’ve invested in an annuity, you won’t be able to change your mind. We’ll make sure that you’re completely comfortable with the pension product before proceeding.

Extending the potential of your pension pot

Our team are focused on ensuring that your pension funds generate the best possible results for you.

There’s a wide range of annuities available, and each offer specific benefits. We’ll go through all the options, and also explain how each will affect your pension funds in the future. If you’ve got any questions, let us know – that’s what we’re here for.

The Opal Wealth Management team have extensive experience and expertise, and it’s our aim to provide you with greater financial security for your retirement years. We’re Financial Conduct Authority-regulated and appointed representatives of of Quilter Wealth Limited and Quilter Mortgage Planning Limited – a fact we’re proud of, as it demonstrates our excellent reputation in the industry.

To find out more about transferring your pension funds into an annuity, get in touch with our team today via phone or email.


How much income will I receive from my annuity?

The amount you’ll receive depends on a number of factors, such as; your age, current level of health, where you live, the type of annuity you choose, and the current annuity rates.

What are the advantages of an annuity?

The biggest advantage of investing in an annuity is that you’ll receive a guaranteed income for life (or for a specified amount of time). This provides financial security – something that’s especially valuable when you’re no longer working. Annuities can also be tailored to suit your specific needs.

What if I’ve got a medical condition?

If you’ve got a medical condition, or you smoke / are overweight, you could be eligible for an enhanced annuity product.

This will provide you with a bigger income, which offers greater financial support in retirement. Not all providers offer enhanced annuities. We do provide advice on enhanced annuities, so please get in touch if you want to find out more.

Which annuity product is right for me?

This depends on what level of income you want to generate, and how much you’d like to invest. There are other factors to consider too. To find out more, get in contact with our team today.

Discover more about annuities

If you think you’d like to invest some of your pension into an annuity, our team of Wolverhampton-based advisors are here to assist. Come in for a free consultation, and we’ll explore your options, while taking into account your plans for the future.

To make a start, get in touch today.

Tax treatment varies according to individual circumstances and is subject to change.

Contact our pensions adviser for further information and advice on pension and retirement planning

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