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Pensions Planning

Pensions are financial tools whose purpose is the provision of money in old age.

Because it is considered good public policy to try and get people to save for their own retirement (rather than rely on the State) pension funds are given special tax treatment.

Over the years, however, governments have changed the system so much that it is all highly complex (much more complex than it should be).

The following links give a basic guide, but because of the complexity, professional advice is essential.

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KSM Associates Independent Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 209562 http://www.fca.org.uk/register.

KSM Associates Independent Financial Advisers Ltd Registered Address: 6 Beaumont Street, Hexham, Northumberland, NE46 3LZ. Registered in England & Wales, No. 02619472.

Neither KSM Associates Independent Financial Advisers Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

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