Services

Wills, Power of Attorneys and some form of tax planning are not regulated by the Financial Services Authority.

Dundas House, 166 Buchanan Street, Glasgow, G1 2LW, Company No. SC249375

Warde Graham Consulting Limited is authorised and regulated by the Financial Services Authority. Registered in Scotland, registered number SC249375.
Registered address Dundas House, 166 Buchanan Street, Glasgow, G1 2LW. We are entered on the FSA register number 225466 at www.fsa.gov.uk.

Retirement Planning & Pensions

Our retirement planners can help you with all aspects of saving for retirement and retirement planning.

If you'd like to ask a question about our retirement planning services, or retirement planning in general, please get in touch. We are always happy to help where we can: 0141 331 0660

Before 6 April 2006, when pension rules went through a major revision - there were two main ways of securing an income in retirement : an annuity or an income drawdown plan.

An annuity provides strong protection and security, but with little opportunity for flexibility and growth.

An income drawdown plan offers growth, but at greater risk if there is a market turndown.

Today a number of insurance companies offer a 'third way' in an attempt to offer a product which combines the best of both previous options, with none of their disadvantages.

Retirement Planning Advice and Guidance

To ask a question about the above and determine the best solution for you, please feel free to give us a call on 0141 331 0660

Several companies provide an ideal combination - the security of the annuity and the flexibility and growth of income drawdown. It includes an optional feature 'guaranteed retirement income plan' (GRIP) which provides a minimum guaranteed income for life, and offers the potential to grow your pension income by investing assets in a range of investment funds.

These contracts offer security through an income for life combined with the potential for growth and it represents an effective response to consumer demand.

Nowadays, your investment needs to grow. According to the government's actuary department, someone who is 50 years old today can expect to live to 85. During those thirty years, everyday costs are going to rise, and your investments must rise with them to ensure a prosperous retirement.

If you feel you may want to take the 'third way', contact us for full details on products like those described above, to explore how appropriate it is to your circumstances.