From April 2015 pensions investors aged 55 and over became able to draw from their defined contribution pension fund, exercising a range of flexible options to suit their circumstances. This provides far greater pensions’ freedom than before.
This may be attractive for many pensions investors, however caution is required because although 25% of the available fund can normally be withdrawn tax free, the balance of any money withdrawn from pensions will be subject to income tax at the individual’s highest marginal rate.
There may also be other implications with regards to death benefits, entitlements to state benefits and long term care planning, to name a few. Each and every person with a pension scheme will need to review their financial planning accordingly and if you’re thinking of taking a pension worth more than £30,000 you must get professional advice.
My experience has been very good, especially the personal help from Philip Bowden-Pickstock
I was very happy with the service that Dartington provided with respect to our new mortgage and I have already recommended them to a friend
I have always been very satisfied with the advice and service I receive from them
My adviser Chris Galpin is very good at explaining how our investments and pensions work, and he is always available should we need advice
We used the services of the Chris Galpin and I cannot rate his helpfulness, knowledge or patience highly enough. He very efficiently soughted out the best mortgage for us and then got on with the application process with the minimal amount of fuss. Nothing was too much trouble and I will be using him in the future
All our dealings to date have been excellent, they have listened to our requirements made suitable suggestions and implemented them in a friendly and professional manner
I have had honest advice and when my husband died they did all the necessary paper work for me very swiftlly and did not charge. A friendly professional firm who quickly understand your needs – no hard sell – your protection paramount
I get a good personal service from an experienced and thoughtful person whom I have known for 30+ years, and trust. That’s very valuable to me even when we don’t entirely agree on priorities! He also advises me on things I need to get around to doing, and I usually follow his advice
I have been with Dartington since before they were Dartington, and the level of service has continued at the same high standard
They were recommended to me and I have already recommended them to others. They are good at explaining things in a way I understand
Never had any problems. Friendly consultancies
I trust my adviser
The financial adviser I have dealings with has been excellent over the years