It has never been more important that you have adequate pension provision. Nowadays we are living longer, expecting more from our retirement and can no longer rely on a state pension to support us.

Perhaps retirement seems a long way off, you may feel you have left it too late to make a difference or are simply unsure of where to start.

Hardly surprising, pensions can be complicated products and there is a bewildering choice of schemes and providers available in the market. Added to this there are scares over the mis-selling of pensions and falling annuity rates. Also, major changes are planned by the government to pension legislation in April 2006.

Do not allow these issues to put you off. Think of pensions simply as saving with tax breaks and remember that it is never too early to start saving for your retirement or too late to boost your fund.

Financial Options can assess your requirements aiming to ensure:

	Maximum tax relief on the amounts you invest.
	Your fund accrues as free of income tax and capital gains tax as possible.
	You have the option to take as much as legislation allows in tax-free cash on retirement.
	Your money is invested with consideration to lowering charges and ensuring that your retirement portfolio reflects your attitude to investment risk.

Retirement solutions include:

	Personal Pensions
	Stakeholder Pensions
	Company Pensions
	Group Personal Pension Schemes
	SIIPS
	SSAS
	Executive Pension Schemes
	Annuities
	Income Drawdown & Phased Retirement
	Divorce & Pensions

Financial Options will do the hard work, so you don't have to. Contact us for a no obligation consultation today.

Level and bases of, and reliefs from, taxation are those currently applying but are subject to change and their value depends on the individual circumstances of the investor. The value of investments can go down as well as up, as can the income derived from them. Past performance does not guarantee future growth or income and you may not get back the full amount invested.