Pensions
Pensions are the 'forgotten' investment for many people. Whether we are in an occupational (final salary) scheme or contributing to a personal pension arrangement, these plans often languish far from sight and little attention is given to what they will deliver.
Because of our experitise in investments, The Harvest Partnership is well placed to review your pension arrangements and advise whether they are on track to meet retirement income expectations. The sooner the review process starts, the more time you have to make any necessary 'in-flight' corrections. By using Present Value (PV)/Future Value (FV) calculations, we can deduce the level of contributions necessary to achieve your income goals in the light of current annuity rates and taking account of a wide variety of performance assumptions. We can also help you consider alternatives to annuities and the overall manageability of current arrangements. Great strides have been taken in pensions in recent years and a thorough review of current arrangements usually offers up some areas in which improvements can be made.
By definition, pensions are long-term arrangements. As the years go by it is imperative that you receive the correct advice. At The Harvest Partnership we specialise in investments and understand the needs of investors — we have built our reputation on it. And with years of experience we are able to tailor arrangements to your exact needs. So why not allow one of our experienced and dedicated Adivsers apply their expertise to your situation.
Our advice is delivered in written Reports. That way you are assured that we have gotten to grips with your situation. No more sifting through piles of leaflets in crowded banking halls. A meeting normally takes between 60 and 90 minutes and, of course, all information gathered is STRICTLY CONFIDENTIAL. After a thorough discussion of your objectives, resources and attitude(s) to risk we will write to you with our advice. After a second meeting at which you are invited to ask as many questions as you wish, we will 'kick the ball back into your court', as it were, and only when you are thououghly comfortable with our advice will we proceed.
Asking us to become your Independent Financial Adviser may be one of the best decisions you ever make. Clients typically remain with The Harvest Partnership for many, many years; the on-going mutual trust and respect that develops over the years is one of the signature qualities of doing business with us.
