Private Client ->
Pensions / SIPPs
The Cartlidge Morland view on pensions is that they are an investment, intended to provide capital and income for retirement – the larger the pension's fund at retirement the higher the pensioner's income will be.
We guide our clients on appropriate levels of pension funding taking into account all the opportunities provided by HMRC income tax relief and restrictions such as lifetime allowances.
Funding Retirement
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We can provide access to virtually any personal pension policy offered by any life assurance company and most other providers, and we advise on the selection of the most suitable pension arrangement for each client individually. |
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For those who have accumulated more than £100k in their pension fund, and who are continuing to invest substantially, we generally recommend Self Investment Personal Pension policies (SIPPs). |
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When clients have an existing SIPP, we usually leave it in place and concentrate on managing the investments within it, consolidating any outside pension investments as well. |
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For those without a SIPP, we generally recommend the Cartlidge Morland SIPP. When combined with the Cartlidge Morland investment wrap, our SIPP is provided without ongoing charge, as we meet all costs from within our investment management charges. |
Retirement Income
A wide range of options is available including drawing income directly from a pension fund, through to purchasing annuities on a varying basis. The option, or combination of options chosen, requires careful consideration combined with sound professional judgement. Our objective is to steer clients through the maze with clarity and vision.
Investment Management
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