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Annuities

An annuity is purchased by a pension fund to provide you with a regular income, for life.

So getting the right annuity could prove to be the most important financial decision you will make, as once purchased you cannot change your mind!

You do have the right to choose your own annuity provider, rather than accept that being offered by your existing provider. This is called an open market option.

And with the options available, an alternative provider can very often achieve far better returns for you.

Organising your annuity is not something to be taken lightly, and you will certainly benefit from the free, personal advice we'll offer you. You should consider that there are options and alternatives available, and more than ever it is crucial to ensure you get the most appropriate and best-value annuity for your personal circumstances.

Robert Bruce Associates offers you a thorough and qualified evaluation of the annuities market-place via our free, no obligation review. We will make you fully aware of the options available to you.

Some General Facts about Annuities

• An annuity provides a secure and regular income for life.
• At retirement, your pension fund is encashed to provide a tax-free cash sum, and the balance is used to buy an annuity from an insurance company.
• Cash provided is tax free
• You can also buy a spouse or dependant's benefits (but this will reduce your own annuity).
• Annual, one-off guarantees and spousal benefits are additional options available at the outset.
• After finalising your annuity, it's possible you may not be able to change your mind, or your benefits received.
• You can choose a level or increasing annuity; payable monthly, quarterly or yearly, in advance or arrears.
• An income drawdown or phased retirement provides one alternative to annuity purchase.

Get the full story

Robert Bruce Associates can offer you specialist, helpful and clear advice on these Annuities, in order to help you make an informed choice. Our qualified advisors will ensure any decision is made only once you have all the facts in hand, and only as a result of establishing your personal wishes and criteria.

Why not call us today for a free, no obligation chat?

And get the most out of your retirement..

Call us today on 0845 838 7377

• "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