Prepare
Pension Planning
A Non-FISICS Pension Plan is for a person whose working life, retirement planning and financial connections are entirely within one country.
Understand what you have, what it could provide, and whether it is working towards the future you want.
What does this service involve?
The plan can therefore focus on the pension arrangements, contribution levels, employer benefits, investment strategy and retirement benefits available under that country's rules, without needing to coordinate any foreign pension or social-security system.
Review
Review existing pensions, charges, investment strategy and projected benefits within that country.
Calculate
Calculate an appropriate contribution level based on the desired retirement outcome.
Pension Allowances
Use suitable pension allowances, employer arrangements and incentives available within that country.
Retirement
Review beneficiaries, investment risk and contribution levels as retirement approaches.
Which best describes you today?
You may be considering this because your circumstances have changed, you're planning ahead, or you simply want greater clarity.
You have pensions scattered across different employers
You have several old workplace pensions and are unsure what they are worth, how they are invested or whether they should stay where they are.
You're unsure whether you're contributing enough
You have a pension in place but don't know whether your current contributions are enough to support the retirement you want.
Your pension has never had a proper plan
You're self-employed or your pension contributions have been inconsistent, and you want to know what you should be doing now.
You've received a pension through inheritance
You've inherited pension benefits and need to understand your options before making a decision.
You're approaching a major change in your working life
You're changing jobs, becoming self-employed or preparing to reduce your working hours, and your pension needs to reflect that change.
What could happen without a plan?
Old pensions stay out of sight
Pensions left with previous employers can become difficult to track, compare and manage, making it harder to know whether they still suit you.
Valuable tax opportunities can be missed
Pension allowances and tax relief can be significant, but opportunities you do not use may not always be available later.
Your retirement income remains uncertain
Without a clear view of your pensions, it is harder to know whether the income they may provide will support the life you want.
You can lose sight of the bigger picture
Looking at each pension separately can make it difficult to understand what your combined savings could actually provide.
Which best describes you today?
You may be considering this because your circumstances have changed, you’re planning ahead, or you simply want greater clarity.
What could happen without a plan?
You have pensions scattered across different employers
You have several old workplace pensions and are unsure what they are worth, how they are invested or whether they should stay where they are.
Old pensions stay out of sight
Pensions left with previous employers can become difficult to track, compare and manage, making it harder to know whether they still suit you.
You're unsure whether you're contributing enough
You have a pension in place but don't know whether your current contributions are enough to support the retirement you want.
Valuable tax opportunities can be missed
Pension allowances and tax relief can be significant, but opportunities you do not use may not always be available later.
Your pension has never had a proper plan
You're self-employed or your pension contributions have been inconsistent, and you want to know what you should be doing now.
Your retirement income remains uncertain
Without a clear view of your pensions, it is harder to know whether the income they may provide will support the life you want.
You've received a pension through inheritance
You've inherited pension benefits and need to understand your options before making a decision.
You can lose sight of the bigger picture
Looking at each pension separately can make it difficult to understand what your combined savings could actually provide.
You're approaching a major change in your working life
You're changing jobs, becoming self-employed or preparing to reduce your working hours, and your pension needs to reflect that change.
