Locate Past Pensions
If you have ever been part of a pension scheme and can no longer find the paperwork. We can help you find where your old pensions schemes are. These can be worth significant sums of money and can help you in later life or even now, while you look at retirement.
Understanding what you have
Many pensions are endowed with benefits that are unique to the schemes in which they are in part. This can be a good thing but it can also be bad. Markets and priorities have changed since your pension started and older schemes have been the making or the breaking of retirements for many. Catching bad schemes early and doing something about it, is the difference.
“We like to build lasting relationships to ensure we understand where you are and your financial ambitions, to build a life-long plan that provides financial security and peace of mind”
Pension Planning
Early retirement is something that many people dream of but in other cases, people do not understand that they could in fact take the retirement road sooner than they first thought. Having an understanding of the possibilities open to you or taking early action to open up greater possibilities is something we can assess and plan through with you.
Consolidation and Ease
In many cases, people have had several jobs in their lifetime and as a result, have several pension plans. Rather than trying to manage each plan separately, it can sometimes be beneficial to consolidate all of your finances into a single, higher class, plan that can be managed much more easily.
Tax Relief
One of the benefits of pensions is the income tax relief associated with pension contributions. If you make a contribution to your pension then you will receive tax relief at your highest rate of income tax. As a higher or additional rate taxpayer, you will be getting 30% or even 45% tax relief. A massive tax saving.
Inheritance Tax Relief
Pension funds are completely free from inheritance tax. Even if you have no intention of using the funds you have within your pension, maximising the contributions you make will pull funds out of your estate for inheritance tax and save the 40% tax.
Investment Growth
Thinking of the pension as a retirement plan only is really a limiting factor. Where essentially, it is a tax efficient environment for funds that you cannot access until you reach a designated retirement age. Investments within a pension grow entirely free of all taxes and therefore funds invested and held for your entire working life, can benefit from significant compounded gains. A must have plan in investment planning.
Bankruptcy relief
Pension funds in some cases can be free from bankruptcy claims. This is hopefully a benefit that none will have to rely on but can be a real safety net for your future in tough times. Gradually putting funds away into a pension will ensure that, even if your business ventures do not succeed at first, you are still able to retire one day.
Other Financial Services
360° Advisory
When we work together, you achieve more.
Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.
Tax
Tax
Our award-winning tax team deliver expert advice for private clients and businesses. Whatever your tax challenge – they’re dedicated to keeping you fully HMRC compliant and tax-efficient.
Find out more
Accountancy
Accountancy
Choose an accountant that offers more than just accurate numbers. Our in-house accountancy team will not only deliver all of your internal accounting requirements – they’ll help you spot new opportunities too.
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Financial
Financial
Our independent financial advisors deliver bespoke, unbiased, honest and clear financial advice. From retirement planning to tax-efficient investments – they’ll help you make more of your money and plan for the future.
Find out more
Law
Law
Our expert lawyers deliver pragmatic legal advice that’s easy to action. Specialising in corporate, commercial, M&A, non-contentious employment advice and GDPR compliance – whatever your challenge, they’ll help you find opportunity in it.
Find out moreTALK TO OUR EXPERTS
Consulting
Consulting
Want to grow your business? Our team of business advisors have decades of tried and tested entrepreneurial experience. They’ll work alongside you, removing barriers to growth and solving your challenges.
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Recruitment
Recruitment
Fusion Recruitment’s purpose is to provide ambitious and growth SMEs with access to the Finance, Business and Operations expertise they need at every stage in their business lifecycle.
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International
International
Fusion International Tax Club connects independent tax advisors from across the globe. If you want to benefit from an exclusive boutique network of international tax expertise and opportunity at your fingertips, join us.
Find out more
Tax
Our award-winning tax team deliver expert advice for private clients and businesses. Whatever your tax challenge – they’re dedicated to keeping you fully HMRC compliant and tax-efficient.
Find out moreAccountancy
Choose an accountant that offers more than just accurate numbers. Our in-house accountancy team will not only deliver all of your internal accounting requirements – they’ll help you spot new opportunities too.
Find out moreFinancial
Our independent financial advisors deliver bespoke, unbiased, honest and clear financial advice. From retirement planning to tax-efficient investments – they’ll help you make more of your money and plan for the future.
Find out moreLaw
Our expert lawyers deliver pragmatic legal advice that’s easy to action. Specialising in corporate, commercial, M&A, non-contentious employment advice and GDPR compliance – whatever your challenge, they’ll help you find opportunity in it.
Find out moreTALK TO OUR EXPERTS
Consulting
Want to grow your business? Our team of business advisors have decades of tried and tested entrepreneurial experience. They’ll work alongside you, removing barriers to growth and solving your challenges.
Find out moreRecruitment
Fusion Recruitment’s purpose is to provide ambitious and growth SMEs with access to the Finance, Business and Operations expertise they need at every stage in their business lifecycle.
Find out moreInternational
Fusion International Tax Club connects independent tax advisors from across the globe. If you want to benefit from an exclusive boutique network of international tax expertise and opportunity at your fingertips, join us.
Find out more360° Advisory
When we work together, you achieve more.
Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.
360° Advisory
When we work together, you achieve more.
Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.
