Pension advice
Applied Wealth Management helps individuals, families and professionals understand their pensions and plan towards retirement. Advice is available in person or remotely.
Whether you are building pension savings, reviewing existing arrangements or approaching retirement, we start with your circumstances, goals and questions. We explain the options and the advice process before you decide how to proceed.
The guides on this page explain workplace and personal pensions, pensions on divorce and retirement options. For advice on your own circumstances, use our Pension Enquiry form or call 0151 440 3700.
A pension is a long-term investment. Its value can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may change.
Automatic Enrolment for Employees
A workplace pension is a way of saving for retirement arranged by an individual’s employer. It is sometimes called a ‘company pension’, an ‘occupational pension’ or a ‘works pension’. Automatic enrolment into a workplace pension is an easy, hassle-free way for workers to save for their retirement while they are earning.
Automatic Enrolment for Employers
The government has introduced a new law designed to help people save more for their retirement. It requires all employers to enrol eligible workers into a workplace pension scheme if they are not already in one.
How Personal Pensions work
The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you have several options which are usually designed to replace some (or all) of your employment income.
Pensions & Divorce
With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.
The Value of Retirement Planning
We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think. This article explains further.
What is a Personal Pension?
Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.
Your Retirement Options and Pensions Freedom
On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your money purchase pension savings and the options you have in retirement.