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Pensions

Planning for Retirement

Saving for retirement is something that most of us put off for as long as we can. But the reality is that the sooner you start paying into a pension the higher your income in retirement is likely to be. If you're working you're usually building up the right to a basic State Pension – and possibly an additional State pension – but these may not be enough to give you the standard of living you want.

Types of pensions
There are three main types of non-State pension. They are:

• occupational salary-related schemes - offered by some employers;
• occupational defined contribution schemes (also called money purchase pensions) - offered by some employers; and
• stakeholder pensions and personal pensions - offered by some employers, or you can start one yourself. You may also be offered a group personal pension at work. These are also money purchase pensions.

We are unable to provide you with advice on pensions however we can introduce you to an authorised and regulated Financial Adviser who can provide you with specialist advice in this area. Please complete the enquiry form and they will get back to you to discuss your requirements.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We do not normally charge a fee for mortgage advice, however this will be dependant on your circumstances. If a fee is charged our typical fee is £495.

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Poole Bay Funding Ltd is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

Poole Bay Funding Ltd, Registered in England & Wales, No 4741248 - 24 Cornwall Road , Dorchester, Dorset, DT1 1RX