Informed Choice advising on Pensions and Investments in Manchester

Pensions & Retirement

It is never too early to consider retirement planning. However, once you reach the stage of considering your retirement income, professional financial advice becomes even more important. The choices you make at this time will affect your lifestyle, so you need to make sure they are right.

Pensions can be an effective form of tax planning, based on current rules, achieving tax free growth and a tax free lump sum. Dependent upon your circumstances, you may be able to reduce immediate income tax bills or pass on the value of your pension fund to the next generation.

It is essential that you review your pension situation regularly. We can advise you on taking steps to maximise the income your pension pot will be able to achieve when you retire.

We can guide you through this and other key life decisions and advise you on tax-efficiency, making certain that you are saving enough into your pension, enabling you to enjoy the retirement you deserve.

Options are varied and will be tailored to your circumstances.




Advice on taking benefits from pension schemes

We are experienced in providing advice on the many options available when taking benefits from pension schemes, including:

  • Flexi-access Drawdown
  • Phased Retirement
  • Pension Lump Sum Investment/Portfolio Planning
  • Capped Drawdown Review
  • Annuity Purchase
  • Impaired Life/Enhanced/Smoker Rate Annuities
  • Investment Linked Annuities

Decisions made today impact on your retirement income and lifestyle, so it's important to get the right advice.
That's where we TL Dallas Independent Financial Services Ltd can help.




The value of your investment or pension can fall as well as rise and you may not get back the original amount invested.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to future change.

The levels, bases and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to future change.

The Financial Conduct Authority do not regulate tax planning, estate planning, or trusts.