The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Pensions at Mor-invest Ltd

At Mor-invest Ltd our approach to retirement advice is based on clearly understanding your financial situation, your goals, and how much risks you are prepared to take with your money.

The expert professional guidance your financial adviser will give you, helps you through this process. This means we can make sure that our solutions are right for you and that you have all the information you need to make a clear decision.

More choice, More Freedom, More decisions

The government wants you to have greater freedom in the way you spend your pension fund.

But do you see this as an exciting freeing up of your retirement choices and a licence to spend your money how you wish? Or do you worry about making the wrong choice? Maybe you don’t know which way to turn.

We are here to help you with:

  • Starting a new pension
  • Auto Enrolment
  • Taking a tax free Lump sum
  • Creating a retirement income
  • Pension  Switching
  • Retirement funding
  • Flexible Access Drawdown (FADD)
  • Annuity & Annuity Transfers
  • Taking appropriate pension

Auto Enrolments

Government has introduced auto enrolment to help more people to save for their future. This means that Employers will need to automatically enrol some works in workplace pension plan and give other workers the option to join.

We want to help you understand and prepare for the changes you’ll have to make. This guide tells you more about auto enrolment and the employer’s duties and what it means for you. It’s based on our current understanding of the relevant legislation and regulations and may be subject to change. Any request will be on referral basis.

Planning makes a big difference

Research shows that having target income and getting the right financial advice can make a marked difference to someone’s retirement income. Retired people without a target have an average yearly retirement income of £17500. Focus on a target and take advice on how to hit that target and the average income rises to £26000 (source: old mutual Wealth/YouGov survey, February 2019 – Retirement income uncovered).

Estate Planning & tax planning

At mor-invest we help you plan the tax efficient way about paying

  • Appropriate Capital Gain tax (CGT) planning
  • Gifts and Trust planning
  • Inheritance Tax planning
  • Will Writing

NB: Will Writing is not regulated by the regulated by the Financial Conduct Authority.