Most people know what they are contributing to their pension fund. Unfortunately few have regular pension audits and know fully what the future benefits will actually be worth. 

Assessing the true value of your pension planning taking into account inflation, fund growth, salary escalation and all previous pensions, requires professional help and careful analysis. With your guidance about your lifestyle needs we can illustrate exactly how close you are to achieving your desired retirement income. 

It is important if you are self employed or run your own business, that you take into account not just your taxable profits but are aware of the level of expenditure that is incurred privately but reduces your taxable profits. In retirement, the opportunity to offset expenses against income is lost. 

If you are under funded we can advise on the best way to maximize future returns and increase your pension. This will include auditing and appraising current arrangements particularly focusing on cost, because there are large differences between the single charge contracts available today and the old style contracts. 

New legislation has also led to planning opportunities for company directors and the self employed. This means that with proper planning you can reduce your tax liability without affecting your pension contributions. In fact in certain instances depending on your circumstances we can show you how to increase your final pension fund value without reducing your disposable income. 

At IN2 we also specialize in setting up and running flexible pension plans. This enables us to unlock existing pension funds for use in purchasing commercial property. This is especially useful for companies or the self employed who want to purchase their business premises in an extremely tax efficient way. 

Investment choice and flexibility is a key element in helping us select funds that will deliver the performance you need to achieve your retirement goals. We can provide arrangements which allow investment not only inmost pension fund providers, but also the unit trust, oeic and investment trust world. 

If you want to get the maximum benefit from pension assets – talk to IN2, we will help you make the right choices.