Normally when taking benefits from a Personal or Occupational Pension, a large proportion of the fund has to be used to secure an income for life.
Often this income is secured and guaranteed through the purchase of an annuity with an insurance company. Ensuring that you secure the right type of annuity and the highest available annuity rate is vitally important as once purchased, an annuity can never be changed. For example, higher annuity rates are available for individuals who smoke cigarettes or are in poor health.
We have considerable expertise in this area backed up by state of the art computer software and facilities, enabling us to research the whole market place to provide the best advice possible.
For individuals with larger pension funds who may not wish to purchase a conventional annuity, we have many years experience of advising and administering Income Drawdown arrangements for clients, both through the use of SSASs, SIPPs and insured arrangements.
Annuities
Mcdonald AssociatesLtd. is authorised and regulated by the Financial Services Authority ©2009
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1 Lindrick Way, Lakeside Park, Barlborough Links Barlborough, Chesterfield
S43 4XE
Tel: 01246 813567 Fax:01246
813826 email: info@mcdonaldassoc.f9.co.uk
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