The pensions sphere has become ever more complex with continuous changes in legislation and keeping abreast of potentially significant developments is challenging for advisers, let alone clients.

Due to my extensive experience in this field and as a holder of the Chartered Insurance Institute’s Advanced Diploma in Pension Planning, I am able to offer expert advice across the full spectrum of pension issues.

The key areas for pension advice being:

• Pension contributions and tax reliefs, particularly in respect of annual allowances and bonus/salary sacrifice for high earners.
• Lifetime limit analysis and monitoring.
• Retirement forecasting including detailed target funding analysis.
• At retirement planning – demystifying the complexities and ensuring that clients select the most appropriate solution at the right time, especially in light of the pension freedoms available since April 2015.
• Detailed analysis of existing pension arrangements, including an Investment Performance and Risk Management Review.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.