Pension Release

Take tax-free cash from your pension

Over 55?
You could unlock up to 25% of your UK Pension to spend how you wish...

Pension Transfer

95% of us could get more at retirement

Transferring your Pension could mean lower charges and a better return for your money...

Planning Your Retirement

Your retirement options explained

Planning your retirement should mean more time on your hands and a chance to enjoy life...

Pensions
& Divorce

Specialist advice for divorced couples

Discover how to protect your pension options following a divorce...

Welcome to Robert Bruce Associates

FREE Independent Pension Advice

We are fully regulated firm of Financial Advisers, with 30 year’s experience providing our clients with specialist, independent advice on Pension Transfer, Pension Release and general Retirement Planning.

We provide free, no obligation pension advice and comprehensive reporting to ensure you receive recommendations based on your needs and circumstances. We’ll work tirelessly to review and offer you the best opportunities available from the entire marketplace, followed by dedicated ongoing management designed to turn your retirement dreams into reality.

Whatever your circumstances and aspirations, for pension advice talk to a qualified adviser today free and without obligation. Just call 0845 838 7377.

FREE!
No Obligation, Independent Pension Reviews


Complete the form below to recieve your FREE pension information NOW



Take a look at what some of our satisfied customers have said...

  • "I wish I had found Robert Bruce Associates earlier! The service I received was very professional and I was made to feel comfortable at every stage."
    G Smith
  • "The advice I received from Robert Bruce Associates was very welcome indeed. I found them to be very knowledgable, helpful and trustworthy. I'm now more confident my retirement years will be enjoyable rather than a misery."
    C Spratton
  • "Thank you for your help in transfering my pension. Your service was both reliable and helpful - I consider myself to be extremely lucky to have found them at the time I did."
    J Farrell
  • "I would not hesitate in recommending Robert Bruce Associates. They have handled my pensions and investments for many years - they are truly a breath of fresh air in an area that can sometimes seem complicated."
    D Church
  • "As a self-employed gentleman approaching pensionable age I sought advice regarding my personal pension holdings. It was very refreshing to find Robert Bruce Associates’ personal approach and helpful nature - a contrast to other companies I had previously dealt with." P De Beer

www.rbaifa.co.uk is a website operated by Robert Bruce Associates which is authorised and regulated by the Financial Services Authority (FSA).

 

 

 

 

 

Pension Advice: A Guide To The Minefield

In the current uncertain financial climate good pension advice is literally worth its weight in gold. With the advent of the internet and the ability to browse and compare financial services, many people have been tempted to D.I.Y their own pensions. However, the pension advice market is incredibly complex with regulations and legislation changing constantly. Finding the correct financial product is not as simple as looking for car insurance and the valuable advice of a pensions professional can avoid the kind of disasters that could ruin your retirement.

Your pension is a tax efficient way of saving for your future, it can’t be stressed too much how important these choices are and many people are queuing up to offer you pension advice on how to invest.

Tied Advisors: If you pop into your local bank or building society you are going to meet one of these people. They will only be able to offer you pension advice on schemes offered by their company and can’t provide a true view of the market or supply you with the best product available.

Multi-Tied Advisors: Some banks are currently offering this new pension advice service, where staff can advise and offer products from a limited number of companies. Whilst the number of products is larger the pension advice is not truly independent.

Independent Financial Advisors: Will have a broad knowledge of the market and experience with a variety or products. They are not tied to any particular company and their code of practice obliges them to give you “best advice” on your pension.

When choosing an Independent Financial Advisor for pension advice it is important they are authorised. They should be regulated by the F.S.A. (Financial Services Authority) and will abide by it’s code of practice, any charges they make will be transparent and clearly documented. Some may take a fee for their service whilst others will make a commission on the pension.

There are many products on offer but the main ones to look out for are:

Private Pensions: Available form life insurance companies, banks and building societies, you can save as much as you want and will receive Tax relief on the amount you put in up to the annual allowance.

Stakeholder Pensions: Like a private pension that has been designed to meet certain legal requirements, this usually ensures good value for the customer.

Company Pensions: Set up to provide a pension for employees upon their retirement. You will receive tax relief on your contributions up to the annual allowance. Schemes may vary with contributions paid in form both your employer and your salary, your salary only or your employer only.

Don’t worry if you think the pension you currently have is underperforming or will not be suitable for your future needs, the pension advice from our advisors will be able to help you transfer your current investment into a modern product that could perform far better and make your retirement more secure and enjoyable.