Pensions & Investments
Our advisers will be able to review your current pension & investment situation
Planning for your pension is vitally important, it’s not something you can leave until the last minute. So even though they might not be the most interesting topic, it is important to talk about them.
We’re well aware that pensions talk can be full of off-putting jargon so we’ll try and put everything in plain English that you can understand.
Typically, your pension becomes available from the day you turn 55 but we would like you to be able to stop working when it suits you, with the finance in place to support your lifestyle throughout your retirement.
In 2015, the Pensions Freedoms rules were introduced. This means you no longer needed to purchase an annuity with your pension pot, giving you much more flexibility and choice and much better value for money from your retirement savings.
Here at Bright Advice, we’ll help you develop your personal pension plan in the best way that suits you and your future aspirations.
Taking regular financial advice is an important first step in getting the support and advice necessary to ensure that you have an excellent opportunity to achieve your goals and objectives. But there is more to investing than putting spare cash into an account and hoping for the best.
At Bright Advice, we get to know you before giving any advice. Ideally, you are already our friend. But, even if not, we’ll sit down over coffee (virtually or in person when COVID-19 permits) and discuss your current circumstances and what you want to achieve through investing.
Once we know all of this, we discuss your attitude to risk and complete an independent risk profile using a system which determines how much risk you are willing to, need to and are able to take.
We use all of the above information to advise you through your investment journey. We will explain the options available and how they work with your needs, or maybe why they aren’t such a great idea for you. Ultimately, all decisions are your own, we just offer an expert, and friendly, opinion.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
Find Your Local Bright Adviser
Much of our advice can be delivered remotely by phone or video but if you would prefer to be talking to an adviser who is based near you please see the areas we cover.
We have advisers based in Cambridgeshire, Bedfordshire, Suffolk, Hertfordshire, Buckinghamshire, Northamptonshire & Lincolnshire.
Fill out the form and your local adviser will be in touch shortly to discuss how we can help.
We're Planting Trees!
Climate change is harming our planet, but if we all make a small change, we can make a big impact.
As we recognise we all have a part to play in protecting our plant, we've decided to plant a tree for each mortgage that completes and every life insurance policy starts with Bright Advice.
Bright Advice is a trading style of Lifetime Wealth Management Limited, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority
Lifetime Wealth Management Ltd registered address 12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR.
Registered in England and Wales, Company Number: 4631136.