Very few people retire on an income which will maintain the standard of living previously enjoyed. This is especially relevant taking into consideration the steady decrease in the value of the State Pension. Pensions legislation has historically experienced change on a regular basis. This now means that there are many different types of pension schemes available and without professional advice it is easy to take the wrong approach to retirement planning. At Harvey Curtis Associates our highly qualified advisers are able to keep up to date with current legislation and use this for the benefit of our clients. We believe that the planning should be broken down into two distinct areas, the building up of pension funds and individual counselling when the time comes to take your benefits. Building Your Pension Fund It is very easy to fund a pension plan with very little thought to what you are actually trying to achieve. In order to ensure sufficient funds at retirement it is essential that a structured approach is taken, with regular reviews conducted to take into account any changes in circumstances and legislation. Many people are not aware of the additional facilities available to both the Corporate and Personal Pension plan holders not directly related to the provision of a retirement income. Our specialist advisers will be able to identify how these additional benefits might apply to your individual situation and assist you in implementing a plan of action on how this can be achieved. Retirement Counselling The most important decisions you will make about your pension are when and in what format you will take the benefits you have worked so hard to build up. Our Retirement Counsellors collate all of the relevant information prior to your selected retirement date and provide a detailed analysis of all the options available and their suitability to your individual circumstances. Please click to request more information.