Successive governments have almost habitually changed and tinkered with pension legislation, and the consequence of this is that pensions have become very complex and far removed from the 2006 “A Day” pledge to simplify this area of financial planning.

On 6th April 2015 “Pension Freedom” was introduced and no doubt you will have seen headlines such as – “Use your pension like a bank account” and  “Access your pension pot and spend, spend, spend”, These statements are often misleading as the Devil is in the detail and it is dangerous to make rash decisions without qualified independent financial advice.  Whoever you speak to, please make sure that they are appropriately qualified, FCA Authorised and Independent – if not just, walk away.

 For most clients we can simplify pension arrangements and help to maximise the use of all available reliefs, as pension investments and contributions are given their own unique tax treatment.  Our experienced and highly qualified advisory team will ensure that a robust strategy is implemented and that the optimum retirement fund is produced in the most tax efficient manner. Once accumulated and the time for drawing benefits has arrived, we will advise on how the fund can be maximised effectively in order to meet the client’s income requirements – there is no “one size fits all” and this is a time where qualified advice is essential.

AV Trinity’s expertise in the field of pensions has enabled us to host regular Pensions Seminars for the last 5 years last year which are normally attended by around 40 legal and accountancy professionals from Kent and Sussex and London.

We have also presented a technical pensions seminar at a high profile Barristers Chambers in the City.

We are regularly asked to contribute our views on pension legislative changes on radio, TV and the printed media