Advice and Guides to improve your finances


The Phillip Masters Approach

Pensions are something we all have to think about. It is about forward planning; planning for your financial future. Are we going to have enough to live on, once we reach retirement age? It seems to be a minefield out there, but at Phillip Masters Independent Financial Advisers Limited, we make it simple. Our goal is simply to make your money work as hard as you have by the time you reach retirement age.

The Phillip Masters Independent Financial Advisers approach is very straightforward. We look at where you want to be when you retire, how much money you need to be able to live your retirement dream on and how to get you there.

Just give us a call and we will help you plan for tomorrow, today. It’s never too soon to plan for your retirement, so get in touch with us now.

Investing for your retirement is probably one of the most important financial investments you will ever have to make. We are all living longer and the State will not keep us in comfort and pay for our care as we get older. So you need to think ahead.

Pension & Investment Management

One of the most important developments is to have an active role in developing your existing investment fund. We can help you transfer your pension policies into one integrated portfolio management system. It might sound complicated but we make it simple. With our systems you get:

  • Online access to all your investments, showing current values and performance
  • The ability to switch between leading funds, simply and cheaply
  • More choice in how and where to invest

Our portfolio management system will also allow you to control PEPs, ISAs and general investments, including shares, giving a combined view of all your investments.

As a member of our Wealth Improvement Programme™, you will benefit from a regular review of your portfolio, with investment recommendations based on your objectives. If this sounds confusing to you, it need not be. Give us a call and we will talk you through your pension options in a jargon-free language.

Retirement Planning

Before you know it, your retirement years are upon you. You think you have got everything planned but now it is down to reality. Thankfully, we are now living longer and longer. Therefore, this means we have to plan even more closely for our financial future. In addition to traditional retirement annuities, you can retain control of your pension funds. However, this does require professional financial help. We will help you choose the annuity that is most appropriate for your circumstances if you want a known guaranteed income for the rest of your life, but if you want the flexibility of a number of options you can look at:

  • Use a proportion of the fund to secure an annuity
  • Take an income from the balance of the fund
  • Defer pension if still receiving an income
  • Take a reduced pension to supplement a reduced salary in semi-retirement
  • Keep funds in their estate for the benefit of other family members

Our options are subject to what suits your circumstances at the time of reaching retirement age. But you do not need to worry about it. Simply give us a call today and we will talk you through the best possible retirement options for you.