Skipton Building Society Advisory Service
Advice for investment planning, retirement planning, pension planning and inheritance tax
Looking for financial advice can seem like a big step. It actually just starts with a conversation about your goals and how your money will help you get there. A no-obligation first conversation with someone experienced will help to work out if you might benefit from financial advice.We’ve chosen the trusted Skipton Building Society to provide a personal financial planning service for people using the Fair Investment site
- There’s no pressure to act on their advice, and no upfront fees to pay. You’ll have the time you need to decide if you want to act on their recommendations, and will only pay a fee if you do.
- You can speak to a Skipton adviser in a Skipton branch or without even leaving your home– they offer an award-winning video link service. You can also have an appointment over the phone or in a Skipton branch.
- Free initial appointments and you’ll only be charged if you decide to proceed with the recommendations provided.
- They’re a mutual society, not driven by shareholders
Phone now for a free consultation
0345 600 6833 »Or request a call back
Skipton will call you back »Important information: Financial planning advice is likely to include stock market-based investments. These are not like bank and building society savings accounts: your capital is at risk and you may get back less than you invested. The value of your investments and any income from them may fall as well as rise. Pensions are long term investments and your eventual income will depend upon the size of the fund at retirement, future interest rates and tax legislation. IHT thresholds depend on your individual circumstances and prevailing legislation, both may change in future
Compare UK Pension Services
Compare pension services for self invested pensions (SIPPs) where you can pull your existing pension plans into one place.
Lost track of old pension plans? Service for tracking down plans from previous employments.
Annuity service if you are looking to buy a guaranteed income from your pension pot.
Looking To Retire At Age 55? FREE Guide
FREE Guide – Retiring Early!
8 tips for an earlier, wealthier retirement
Transforming that dream into a reality doesn’t come cheap, how could you afford it? Once you have paid off debts, like it or not, the answer is likely to depend on your pension.
Straightforward guide provides eight tips that could help you to retire earlier than you thought, including:
- The simple formula for how much you should consider investing each month
- How to boost existing pensions
- Understanding the options available at retirement (including the new rules)
This guide is not personal advice. Please remember tax rules can change and the value of the tax benefits will depend on your circumstances. The value of investments can fall as well as rise so you could get back less than you invest. Pensions cannot usually be withdrawn until age 55 (increasing to 57 in 2028).
Self Invested Pension
Take Control of your pension!
A self-invested personal pension (SIPP) is different to a traditional pension. Instead of limiting your investment options, a SIPP opens the doors, giving you more choice in how you invest your money. Like other pensions, the government will still give you up to 46% tax relief on the amount you pay in. Once your money is in a SIPP, you won’t have to pay tax on any gains or income your investments make.- Low cost award winning pension – Fixed fee plan keeps costs down over long term
- Investment choice – Choose from more than 40,000 investments
- Ready made funds and investment ideas – Making it easy to select investments
- Expertise – Research, ideas, and updates to help you with your investment decisions
Compare Self Invested Pension Providers
A low cost award-winning SIPP that gives you a choice of over 40,000 investments; Selected funds; Ready made portfolios.
Sipp fee: £5.99 pm – assets up to £50,000, £12.99 pm – assets over £50,000
Low-cost personal pension from award-winning provider Bestinvest. Choose from thousands of investments, get inspiration from guides and articles or opt for a Ready-made Portfolio
Sipp fee: up to 0.4% pa
Thousands of funds to choose from; Select 50 – Browse a list of expert picks. Pathfinder – Risk profiled fund options. Investment Finder – Search 1000s of investment ideas.
Less than £25,000: 0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don’t
£25,000 or more but less than £250,000: 0.35%
£250,000 or more but less than £1 million: 0.20% – and you will automatically qualify for Fidelity’s Wealth Management Service benefits
£1 million+: 0.20% a year for the first £1 million and no service fee for investments over £1 million
Annuity Services
Pension Finder & Transfer Service
There are no tables for this criteria
Retirement Annuity Advice
If you are approaching retirement and you are looking to generate income from your pension funds through annuity purchase, then getting advice is advisable as once you buy an annuity there is no going back. The difference on what is offer from one annuity provider to the next can be considerable, and you current pension provider may offer you a deal, but it pays to shop around. If you have impaired health you may also benefit from a medical annuity arrangement.
When seeking advice on choosing the right annuity option, it is important to ensure that advice is impartial, as many companies, banks and building societies can only advise on their own products and not those of their competitors.
Thinking of buying an Annuity from your pension fund or from private capital? Our Retirement Annuity Service provides:-
- Depending on your pension provider up to 40% More Annuity Income
- Information on different types of annuity arrangement including investment annuities & with profit annuities
- Assessment of your circumstances to find the most suitable type of annuity for you or whether there are any other options more suited to you.
- Information on lifestyle annuities – including smoker annuities and impaired health annuities you may get even more annuity income.
- Comparing annuity rates to ensure that you maximise your annuity income.
- Explaining the retirement annuity options available to you.
- Helping you with the relevant paperwork to ensure that you annuity is processed smoothly.
10 COSTLY PENSION MISTAKES
10 Costly Pension Mistakes Millions of Britons Make
- How to discover if your pension will be enough
- What ‘free money’ most private sector workers miss out on
- How to get a share of £41 billion from the taxman
- How to benefit from the pension freedoms and avoid the traps