Pension Planning

With life expectancy continuing to rise, preparing for the future has never been more important.

These days there are so many options when it comes to planning your retirement it can all get very confusing. At one end of the scale are ‘annuities’ which offer a dependable and secure income for life, while at the other end are the more flexible – but riskier – ‘drawdown’ options, where you take control of the payments.

We also understand that many people wish to explore the option of transferring out of a defined benefit pension in return for a cash value. This is a very complex decision, which needs careful consideration.

At Hebden Consulting we will help you navigate what has become a complicated landscape of current and historic pension schemes, and the regulatory changes that have impacted them.

Our expert team understands the many subtle and stark differences between the various pension plans in existence today, as well as the regulatory requirements for transferring your pension and the steps needed to safeguard your benefits while you transfer.

The decision as to whether or not to transfer a pension must be determined on an individual basis. Due to the risks involved, you should never transfer a pension without the advice of a qualified pension transfer specialist.