The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

A pension is often a person’s second most important asset after the home they live in. As with many parts of financial planning it is important to plan early to ensure that when the time comes to you can have a comfortable retirement.

Whether you are looking to invest a lump sum or begin regular contributions to a pension plan, we have the expertise to help.

Whether you are nearing retirement or have just begun to consider your retirement options, we can help build a financial plan that suits all your needs.

Why transfer?

Over your working life, you may have a number of pensions after switching between companies and careers.

With just one pension it could be much easier to access the money you’ve built up when you decide to start planning for your retirement. You’ll normally be able to access your money from when you turn 55, and with your Touchstone Advisor you’ll be able to choose, manage and track your investments.

We know how much your pension matters, so it’s important that you choose what’s best for you – it is essential to take a closer look at your pensions before going ahead with any transfer and we are here to help.

What should I consider before transferring?

Here at Touchstone we can help you gather all the information about your old pension’s so you can make the most informed decision to suit your needs.

Transferring pensions is not right for everyone. It could be a complex decision and you need to consider the charges, fund ranges, any valuable benefits that could be lost and any tax implications.

Should you be in poor health, there are other considerations such as potential inheritance tax implications. We can help answer many of the questions, and by doing so can help ensure you are looking at all the options before you make a decision.