Pensions and Retirement Planning
Testimonial
“ We were one of David Carr’s first clients at ECFS, Chelmsford. We found it to be a swift, efficient and friendly service with very reasonable fees. Consequently, we have made numerous recommendations to friends about the high value of ECFS. ”
We advise clients and arrange the setting up of the most appropriate type of pension plan for them:
Personal pension for those who want a straightforward plan.
Self invested personal pension (Sipp) for those who wish to make their own investment decisions.
Auto enrolment - a workplace programme with compulsory contributions for employers and employees.
We can then advise clients on the options available to them upon retiring, for example:
An annuity to provide a guaranteed income for life or a defined period in exchange for a pension fund.
Drawdown a more flexible arrangement for income and capital growth potential where the pension funds remain invested