Pensions & Investment Partners LLP provide exceptional Pension and Investment Services across Leeds

Using all the tax concessions granted by Her Majesty’s revenue & Customs (HMRC), we advise on the most tax efficient ways to build up your pension fund. As an essential part of the process, we always start by collecting information about your personal and financial circumstances and existing arrangements.

Pre – Retirement Planning

This is the accumulation phase of your retirement planning and involves:

• Analysis of your Personal Risk Profile
• Maximising contributions
• Minimising tax
• Analysis and recommendation of suitable products, investment funds and asset allocation
• Analysis of costs
• Pension consolidation (Pension transfers)
• Regular reviews

At Retirement Planning

This is the start of the decumulation phase of your retirement planning and involves:

• Review of your Personal Risk Profile
• Possible Annuity Purchase
• Possible Unsecured Pension (Income Drawdown)
• Possible Phased Retirement
• A combination of the above
• For post age 75 income, possible Alternatively Secured Pension (ASP), Annuity Purchase or a combination.
• Analysis and recommendation of suitable products, investment funds and asset allocation
• Analysis of costs
• Pension consolidation (pension transfers)
• Tax efficient use of non pension assets

Post Retirement Planning

Regular reviews of:

• Income requirements
• Investment performance
• Continued suitability of asset allocation
• Changes in Personal Risk Profile
• Changes in Personal Circumstances
• Continued product suitability

Depending on personal circumstances and suitability, advice and services that we provide may involve any of the following products:

• Annuities
• Self Invested Personal Pensions (SIPP’s)
• Small Self Administered Pension Schemes (SSAS’s)
• Executive Pension Plans (EPP’s)
• Personal Pension Plans (PPP’s)
• Stakeholder Pensions
• WRAP’s (Internet based investment administration platforms usually incorporating SIPP & PPP facilities)

We research and select from the whole marketplace as part of our advisory process. This includes a comprehensive annuity broking and consultation service which uses the latest software to compare rates across the marketplace in order to maximise your income.




			"Nothing was too much trouble. This whole pensions area was a mystery to us - they provided clarity and made it easy for us."
		"They took away the stress and that meant we had one less thing to worry about."

	Using all the tax concessions granted by Her Majesty’s revenue & Customs (HMRC), we advise on the most tax efficient ways to build up your pension fund. As an essential part of the process, we always start by collecting information about your personal and financial circumstances and existing arrangements. Pre – Retirement Planning This is the accumulation phase of your retirement planning and involves: • Analysis of your Personal Risk Profile • Maximising contributions • Minimising tax • Analysis and recommendation of suitable products, investment funds and asset allocation • Analysis of costs • Pension consolidation (Pension transfers) • Regular reviews At Retirement Planning This is the start of the decumulation phase of your retirement planning and involves: • Review of your Personal Risk Profile • Possible Annuity Purchase • Possible Unsecured Pension (Income Drawdown) • Possible Phased Retirement • A combination of the above • For post age 75 income, possible Alternatively Secured Pension (ASP), Annuity Purchase or a combination. • Analysis and recommendation of suitable products, investment funds and asset allocation • Analysis of costs • Pension consolidation (pension transfers) • Tax efficient use of non pension assets Post Retirement Planning Regular reviews of: • Income requirements • Investment performance • Continued suitability of asset allocation • Changes in Personal Risk Profile • Changes in Personal Circumstances • Continued product suitability Depending on personal circumstances and suitability, advice and services that we provide may involve any of the following products: • Annuities • Self Invested Personal Pensions (SIPP’s) • Small Self Administered Pension Schemes (SSAS’s) • Executive Pension Plans (EPP’s) • Personal Pension Plans (PPP’s) • Stakeholder Pensions • WRAP’s (Internet based investment administration platforms usually incorporating SIPP & PPP facilities) We research and select from the whole marketplace as part of our advisory process. This includes a comprehensive annuity broking and consultation service which uses the latest software to compare rates across the marketplace in order to maximise your income.	Address Suite 3, Realtex House, Leeds Road, Rawdon, Leeds, LS19 6AX Tel 0113 202 9529 Fax 0560 114 0528 Email info@pipllp.co.uk

HOME \| ABOUT \| KEY FACTS \| SUMMARY \| CONTACT \| USEFUL LINKS \| GLOSSARY UfindUs finds Financial Advisers Trading and Registered Office Address: Suite 3 Realtex House, Leeds Road, Rawdon, Leeds LS19 6AX. Tel 0113 202 9529 Fax 0560 114 0528 Pension & Investment Partners LLP is a Limited Liability Partnership Registered in England and Wales,Partnership No. OC323236 and is authorised and regulated by the Financial Services Authority. FSA No. 459533

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