Pensions

Top retirement and pension tips in a nutshell for a wealthier retirement...

- Track down any old pensions - The pension tracing service 0845 600 2537

- Get a state pension forecast - The pension service 0845 300 0168

State pension forecast eservice - Do it online by clicking here

- Maximise your tax breaks -

For couples, move investments into the name of the person paying least tax.

Make full use of your annual ISA allowance.

- Shop around near retirement for the best pension income - annuity - Free quote service 0117 980 9940

- Ask about enhanced annuity.

- Investigate 'immediate vesting personal pensions (IVPP) - Instead of saving for a number of years, your payment is immediately converted into a taxable retirement for you. For fact sheet tel. 0117 980 9926

- Consider income drawdown - Don't want to lock into a lifetime annuity just yet, income drawdown can offer a flexible alternative in allowing you to take your tax free lump sum and choosing whether you also draw an income. More info tel. 0117 980 9926

- Minimise your heirs' tax bill - reduce inheritance tax - More info tel.0117 317 1690

- Look into consolidating your investments - More info tel. 0117 900 9000

- Make a will - More info:

Download factsheet - Click here

Find a solicitor in your area - Click here

How to write your own will - Click here

Free pension & retirement guides

The Budget - How it effects Pensioners. State Pension, Pension credit, Winter Fuel Payments, New year payment. more >>>

Department of Work & pensions

Provides information and services for everyone whether they are planning for retirement or about to retire.

Designed to be the first port of call for state pensions and private pension information on the web.

Provides whole of market advice on annuities and using your right to the open market option.

Unbiased, independent and totally user friendly information on all aspects of UK personal finance. Specializes in retirement planning.

The Pensions Advisory Service (OPAS)

Information and guidance on the whole spectrum of pensions. They also help any member of the public who has a problem, complaint or dispute with their occupational or private pension arrangement.

Equity Release Solutions is an independent financial adviser (IFA) specialising in the equity release market for the over 50's. We have 13 advisers nationally and we offer face to face advice.

As an IFA we are also able to advise on all retirement solutions for the over 50's such as IHT, Annuities and Long Term Care.

Financial contacts - Pensions

If you have a question about your pension or want to know more about how pensions work, where can you get information? BBC News provides a list of contacts and sources. More...

Ask the expert: Small pension rules. More..

Useful link:
Senior care services - Welcome to The Senior Care Guide, a 'One-Stop Service Center'. Senior Care Services. HealthEast Senior Care Centers.

Boiler room scams -
The typical victim of an investment scam is a middle-aged professional male with
considerable investment experience

Equitable life pension compensation

Policy holders living in Europe who lost a chunk of their pension benefits due to the collapse of Equitable Life in 2000 are being asked to contact a European coordinator based in France. more >>>

Private companies trying to buy out of final salary pensions

Other category contents:
	Finance		Insurance
	Money making/ Money saving		Retirement benefits
	Financial retirement planning		Mabels top tips

Additional articles & top advice - Mabels features