Supporting Your Future - SIPPs Advice

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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.

Greater freedom with your financial investments

1) You’re in control
A SIPP gives you the freedom to select your investments, and maximise your pension pot for your retirement years.

2) More flexibility
Draw your benefits from as young as 55, even while you’re still working. Take out up to 25% as a tax-free lump sum, and enjoy the remainder as a regular income.

3) Expert management
We prioritize maximizing returns from your existing funds.

More options for your pension pot

SIPPs offer the chance to take control of your pension and diversify your investments. You can select from a range of assets; such as unit trusts, individual stocks and shares, government securities and more.

Our team are here to manage your SIPP on your behalf. With years of financial investment experience, we’ll focus on making your money go further, and generating a bigger pension pay-out for your future. Our team is based in Wolverhampton, and we give pension and retirement planning advice to clients across the Midlands.

What is a SIPP?

A SIPP (self-invested personal pension) is a pension pot that holds your investments until you’re ready to draw your retirement income. In many ways, it’s similar to a traditional private pension – but the big difference is that it offers more investment freedom.

There are a variety of assets your money can be invested into; such as UK and overseas equities, land insurance bonds, commercial property, insurance company funds and much more. This flexibility is a big advantage, as it enables you to be reactive to the market, and place your money where it’ll generate the best returns over time.

Opal Wealth Management will manage your SIPP for you, and keep you up-to-date on how well your pension funds are growing.

Managing your SIPP on your behalf

There are several SIPP products on the market, and it’s important to identify the pension that matches your unique needs.

Our approach is both consultative and transparent. Firstly, we’ll listen to your requirements, and discuss your plans for the future. We’ll also talk about your attitude to risk. This is to ensure that your funds are never placed into an investment that extends beyond your comfort zone.

The next stage is to present you with a range of SIPPs, based on the information you’ve given us. We’ll keep a careful eye on your SIPP’s performance over time; switching investments when necessary to boost your pension funds as much as possible.

We’re appointed representatives of Quilter Wealth Limited and Quilter Mortgage Planning Limited and are also Financial Conduct Authority regulated. Our reputation in the industry is well-established, and we’re dedicated to each one of our clients. If you ever want an update on how your pension is performing, we’re only a phone call away.


How will I receive my retirement money from the SIPP?

You can access your funds in a variety of ways. These include income drawdown and taking out an annuity – get in touch to find out more.

Do I have to pay tax on my SIPP?

Pension income is treated as non-earned income for tax purposes and is subject to tax at your highest marginal rate.
It’s useful to know that you can also draw down 25% of your funds as a lump sum when you retire, without paying any tax on the pay-out.

Will I make more money through a SIPP than a workplace pension?

Very few pension products ever offer a financial guarantee. SIPPs, like any investment, come with an element of risk. However, they also offer the potential to elevate your retirement funds – and that’s what we focus on achieving.

We always keep your attitude to risk firmly in mind, and never place your money in investments that are higher-risk than you’re comfortable with.

Will you let me know how the SIPP performs?

We provide all our clients with regular performance updates. However, if you want any additional information about your SIPP, just get in touch.

Start exploring SIPPs today

Our Wolverhampton-based financial adviser specialises in helping our clients get great results from their investments. We take pride in our consultative, honest approach, and work hard to make your savings go further.

To find out more, get in contact with our team 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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