Passionate About Pensions

At David Winter Independent Financial Advisers Ltd we believe that pensions should form an important part of everybody’s financial planning and we are able to offer a full analysis of your pension requirements, which will include any existing pension arrangements, whether current or frozen.
Recent research by Royal london has found that despite the auto-enrolment programme, which is expected to reach another 5 million workers in small business over the next two to three years, around 40% of 30- to 40-year-olds do not have any pension savings.

Pensions are one of the most tax efficient and effective ways to save for your retirement although the rules are subject to complex legislation and working out which type of pension is best for you can often be difficult.

We offer advice on:

  • Personal Pensions
  • Small Self Administered Pension Schemes (SSAS)
  • Self Invested Personal Pensions (SIPPS)
  • Pension Fund Withdrawal Accounts (Drawdown)
  • Phased Retirement Accounts
  • Annuities