Pensions

@Ducati996R Hi Clive drop me a message nik.burrows@cobensdirect.co.uk Cheers

Thanks for the super quick response Adam

Email sent to Nik

Hi Alan Drop me a message at nik.burrows@cobensdirect.co.uk and we can take a look at your position and run through the considerations and options that are relevant to you. Cheers Nik

Thanks for the confirmation. It works just as I thought. Better to ask to confirm than just assume I'm correct. A small mistake can make a big difference.

Sorry I meant 20% not 25%

Thanks. I upvoted your reply. I hope that's the same as a thumbs up .

@Nik-Burrows Thanks, I've sent you an e-mail with an additional (easy to answer) question about my DB pension application.

Thanks Nik

@pete_esp Hi Pete Drop me a message and we can set a call up. Let me know when you're in the Valley and we can get a couple of laps in. Cheers Nik

@VvrooomM said in To use an IFA or not use an IFA: Age 52.5, possibly planning to retire in the next couple of years. Can’t begin drawdown until 55 obviously but have some savings to bridge the gap. Do I need an IFA though, would it be wise/prudent to have one? Got my fingers burnt with the last one that was absolutely useless. I have my person split between IM/CD and ii, my investments are self chosen with my ongoing costs being circa 0.82% with IM/CD and 0.22% with ii per annum. Thanks for the thoughts in advance. Hi VvrooomM If you want to look at guidance first drop me a message and we can set a call/meeting up. We can then chat through what you are looking to do, what things you may need to consider and the options available. If you feel that you have enough information and understanding after that to make your own decisions and plans then you may decide that you don't need advice If you're still not sure after that you can either then take some advice from us or find another IFA. I would hope that at that point, if feel you need advice you will know what you are looking for from an adviser. Cheers Nik

Thanks Nik and of course I take on board your comments on Protection. In normal circumstances that would be the sensible approach. A Chancellor that has no qualms about shafting a Pensioner on £13k pa will not think twice about targeting people with larger pension pots.