Finance & Career

Age Partnership pension annuities are there to provide consumers with the opportunity to compare annuities from some of the U.K.’s biggest and best providers. They currently work with Aviva, Standard Life, Prudential, LVE and many other UK annuity providers.

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Pensions have been a bone of contention for many years, with many private companies and public sector workers having found their pension fund decreasing. Annuities have received more exposure and people really need to think about where their pension annuity will go. The state pension is widely thought of as not enough to live on at £95.25 per person or £152.30 per couple. The problem with the state pension is people are generally living longer but the population growth is slowing it is estimated that by 2025 there will be 12.5 million pensioners in comparison to the 4 million pensioners recorded in 1949. How can the country sustain the state pension?

What is a pension annuity?

An annuity is a regular income guaranteed for life, in exchange for your pension pot. This amount is above any state pension or private pension from a previous employer you may be entitled to. You don’t have to get a pension annuity straight away when you retire but by law this has to be done by the time you reach 75. In this current economic climate it is imperative that everyone give their financial well being a complete check over. Very often people are not aware of the exact details of their pension, Pensionlite want to ensure that that you are getting the most from your money. Contact Pensionlite online at www.pensionlite.co.uk or on 01952279379 we are the experts in the pension annuity field.

We are completely independent and are proud to have achieved the status of Chartered Financial Planners. We have an excellent reputation for customer satisfaction and offer all our customers the peace of mind needed when dealing with such an important issue, we are totally regulated by the F.S.A. We can offer some of the best quotes and advice on annuities products through a wide range of providers. At Pensionlite we understand the importance of a pension annuity, when annuities are signed it is very unlikely that you can change your mind even if your circumstances change therefore it is essential to get is right the first time. Contact the experts today we will take all your personal circumstances into account and find the right annuity for you.

If you are looking for the very finest annuities which are available on the market then we have all you could possibly require at pensionlite.co.uk! Our pension annuity services are second to none! Visit us!

If you run a small or medium sized business, or even if you are a self-employed individual, you will no doubt require the services of an accountancy firm to ensure your accounts are in order.

Accountants in Watford can help you with a whole host of accountancy services.  You may require a full service from your Accountants in Watford including taxation, VAT returns, book-keeping, payroll, production of management accounts, cash flow forecasting and budgeting.  If you already run some of those services in-house, you may wish to only use your Accountants in Watford for a select few services such as end of year reporting and tax returns.  The choice is yours and Accountants in Watford will offer their clients a service that is unique and bespoke to their own individual business needs.

An important reason to use the services of reliable and trustworthy Accountants in Watford is to ensure your tax returns and other tax obligations are met in full.  Getting in trouble with the Tax Man is a nightmare that any company wants to avoid, and using Accountants in Watford can help avoid such as fate.  Ensuring correct payment of PAYE tax, VAT and corporation tax is all part of a Watford accountants’ service to you.  Some Accountants in Watford may employ the services of tax consultants so you can rest assured knowing an expert is guiding you through the tax maze.

Using Accountants in Watford for your accountancy responsibilities can help to free up your time; time which can be used to develop and grow your business.  An area such as payroll can be particularly time consuming with weekly and monthly responsibilities.  Outsourcing this area to expert Accountants in Watford will free up staff resources.  Accountants in Watford will ensure staff deductions, including PAYE and pension contributions, are accurately calculated and that payroll deadlines are met to ensure timely payment for staff.  Accountants in Watford will also prepare and submit reports to HMRC on your behalf, ensuring that deadlines are never missed.

For a professional and expert accountancy service visit Beyondaccounting.uk.com.  Founded by Kevin Penn, they offer a bespoke service to local businesses, from book keeping to payroll and management accountancy.  Beyondaccounting.uk.com will work with you to devise a high quality service that fits your individual needs.

Accountants in Watford provide a professional service and are friendly to approach as well. Beyondaccounting.uk.com provides the best Watford accountants – visit our website for more information!

If you run a small or medium sized business, or even if you are a self-employed individual, you will no doubt require the services of an accountancy firm to ensure your accounts are in order.

Accountants in Watford can help you with a whole host of accountancy services.  You may require a full service from your Accountants in Watford including taxation, VAT returns, book-keeping, payroll, production of management accounts, cash flow forecasting and budgeting.  If you already run some of those services in-house, you may wish to only use your Accountants in Watford for a select few services such as end of year reporting and tax returns.  The choice is yours and Accountants in Watford will offer their clients a service that is unique and bespoke to their own individual business needs.

An important reason to use the services of reliable and trustworthy Accountants in Watford is to ensure your tax returns and other tax obligations are met in full.  Getting in trouble with the Tax Man is a nightmare that any company wants to avoid, and using Accountants in Watford can help avoid such as fate.  Ensuring correct payment of PAYE tax, VAT and corporation tax is all part of a Watford accountants’ service to you.  Some Accountants in Watford may employ the services of tax consultants so you can rest assured knowing an expert is guiding you through the tax maze.

Using Accountants in Watford for your accountancy responsibilities can help to free up your time; time which can be used to develop and grow your business.  An area such as payroll can be particularly time consuming with weekly and monthly responsibilities.  Outsourcing this area to expert Accountants in Watford will free up staff resources.  Accountants in Watford will ensure staff deductions, including PAYE and pension contributions, are accurately calculated and that payroll deadlines are met to ensure timely payment for staff.  Accountants in Watford will also prepare and submit reports to HMRC on your behalf, ensuring that deadlines are never missed.

For a professional and expert accountancy service visit Beyondaccounting.uk.com.  Founded by Kevin Penn, they offer a bespoke service to local businesses, from book keeping to payroll and management accountancy.  Beyondaccounting.uk.com will work with you to devise a high quality service that fits your individual needs.

Accountants in Watford provide a professional service and are friendly to approach as well. Beyondaccounting.uk.com provides the best Watford accountants – visit our website for more information!

If you are thinking about retirement, or are already retired, then it is important to look at all the options. When you retire, you do not want a drop in your standard of living, and will need to look at ways to help out your basic income. There are various pension options available to you if you want to improve on your basic income.

One of the best ways to improve your retirement options is to consider an annuity. There are various types of annuity available, and you can also mix and match to suit your own particular circumstances. The basic state pension, provided you have the full amount of qualifying contributions, is £102.15 per week, but this will not be payable until you reach the relevant age. A work pension can supplement this but many people are obviously looking at ways to augment their pensions.

For example, like many of us, you may be concerned at the rise in the cost of living, especially in fuel and food. Basic items are becoming more and more expensive and taking up more of the household budget. If your income remains the same while these items are going up in price, you will find that your standard of living will fall. There is an annuity available which is linked to the retail price index, so as basic prices go up, so does your annuity. This would mean that your annuity income would rise with inflation, thus offsetting the expense of rising food and fuel prices.

Some people may not be so concerned about day to day living costs, but are looking for the occasional lump sum to buy those special items such as a holiday. When you are on a fixed income like a pension, you may find it more difficult to save regularly for these items. One pension option which will cover this is to take out an annuity where you receive a yearly lump sum to spend as you lease on a special item. Annuities can also be paid out monthly or every three months. You could also receive your payment twice a year instead of once a year.

You must also consider whether you are looking at a single or joint income. You may be concerned about your partner’s income if you should die, and want to make sure that they will be provided for. A joint annuity is the answer to this as the income can still continue after your death or the death of your partner or spouse. This can give peace of mind at a distressing and uncertain time. There are even special annuities available if you are in poor health, or in a higher risk category such as smokers.

Everyone is different, with different needs and resources. Where your pension options are concerned, there are so many choices that it is important to get an annuity tailored to what you need and want. Once you have decided what your own particular needs are, you can’t beat personal advice to help you choose among the multitude of options available. Whether you are trying to protect your income for the ravages of inflation, or just wanting some extra money every month, you need to look at your pension options.

If you are confused about your pension choices and retirement options then speak to an advisor at rightannuity.co.uk for independent advice and help.