Experienced Advice on Private Pension Plans

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PLAN FOR YOUR FUTURE, WHATEVER YOUR AGE

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.

PENSION ADVICE & RETIREMENT PLANNING

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

FINAL SALARY

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.

Laying the foundations for your future

1) Funding your future.
A private pension plan gives you the freedom to choose where you invest your money. We’ll support you throughout, with a focus on maximising your pension pot over time.

2) Flexibility for your finances
You can start a personal pension plan if you’re employed, or no longer working, including in retirement. Likewise, it doesn’t matter if you’ve got a workplace pension or not – you can still invest.

3) A range of benefits
You can withdraw from a private pension from the age of 55, if you wish. You don’t have to stop working to draw benefits either, which can really boost funds.

Preparing for your retirement

It’s likely you’ve got plans for the future. A private pension could help you to achieve your financial goals. We’re here to advise and help you unlock the potential of your pension pot.

We’re based in Wolverhampton and help clients across the Midlands. Our personal pension adviser will work with you to find the right plan, based on your unique requirements. Then, we focus on maximising financial growth, and keep you regularly updated along the way.

What is a private / personal pension?

Private pensions are a popular way to save for your retirement. They’re ‘defined contribution’ pensions – so the amount you receive when you retire depends on how much you’ve invested, and how well those investments have performed.

Unlike a workplace pension, you set up your private pension yourself.

Our advisers are here to guide you through the process, and ensure you find a product that meets your needs. You can choose to make regular payments into your pension fund, or fewer, larger one-off payments.

We’re experienced wealth managers, and we’ll guide you to invest your funds into a variety of assets that suit your individual needs. The nature of these funds depends on your attitude to risk – something we’ll discuss before you commit to anything.

Make your pension work harder

It makes good sense to prepare for your retirement. Opal Wealth Management’s priority is to help you understand your options, so you can make an informed decision about which pension to choose.

Every personal pension plan is different, and your pay-out will depend on many factors. We’ll go through all the details with you, ensuring that you understand your investment completely. We’ll also assess your attitude to risk, so we can present you with a range of suitable products.

Our team are experienced specialists in investment and wealth management, and we’re here to provide bespoke financial advice, whenever you need it. As appointed representatives of TenetConnect Ltd, we’re regulated by the FCA, and take pride in our excellent reputation in the industry.

We operate with transparency and integrity at all times, and whenever you want to find out about the performance of your investments, we’re just an email or phone-call away.

FAQs

How much can I put into my pension pot?

Every private pension is different. Some may have limitations on the amount you can put into your pot (depending on your current earnings) – talk to us to find out more.

What option is best for me?

During your initial consultation, we’ll ask you questions about your current lifestyle, what your financial goals are for the future, and your attitude to risk.
Armed with the right information, we’ll then present you with a range of pension options. We’re also here to answer any questions that you might have.

Can I keep my workplace pension?

It’s fine to have a private pension plan while keeping your workplace pension. In fact, this is a great way to boost your retirement fund for the future.

What about tax relief?

You’re eligible for tax relief when you contribute to a personal pension. This is claimed at the basic rate, and automatically added to your funds. If you’re a higher / additional rate taxpayer, you’ll be able to claim a further 20% or 25% via your self-assessment tax returns too.

Don’t know where to start?

Expert financial guidance is crucial in ensuring that you are part of the best possible schemes. At Opal Wealth Management, your happiness is our goal, and our Wolverhampton based pension advisers will work with you to set you on the path to financial freedom..

Get in touch with our pension team today.

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

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