Anyone who thinks the State Pension will be all they need to enjoy a comfortable retirement should seriously think again.

The UK's over stretched Social Security system means that a financially comfortable retirement will only be available to those who have planned well ahead for this important stage of their life.

The Government has made it clear that the onus on pension provision lies very much with the individual. The State scheme still exists but the cushion it provides to pensioners to stay above the poverty line is not very well padded.

Please also remember that not everyone automatically qualifies for a full basic pension, a fact that many people fail to understand early in their careers. To be eligible for the full pension, an individual needs to have built up sufficient contributions to the National Insurance fund …. usually over some 40 years!

In recognition of this problem affecting much of society, there are currently a very wide range of pension arrangements available depending on whether you are:

• an employee;
• self employed; or
• own your own business.

Davies Heulyn Davies has expertise to advise on personal pensions (for companies and also individuals).

All these issues are given full consideration as part of a detailed PENSIONS HEALTH CHECK by completing our CONTACT FORM and arranging a meeting with one of our advisors or

Call us on 01970 627037 Aberystwyth Office
or 01239 615124 Cardigan Office