Pensions and Retirement Planning


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

Download Guide to Pension Freedoms
May 2015