Our advisers have obtained the highest level of qualification in UK financial services
With decades of experience between them our advisers have seen it all.
We use the best tools available to make sure our research is as good as it gets.
We invest heavily in expert compliance support to ensure our staff and processes are always under scruitiny.
We have relationships with tax and legal experts to provide you with a holistic support network.
A service agreement with us means you will be able to speak to your chartered adviser. You won’t be stranded with someone else.
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It means no-one tells us what to do but you.
You can trust us to put your needs and goals first.
We are a chartered firm and our advisers hold chartered status.
This puts us in the small elite number of firms in the UK, and means we uphold the highest standards.
Our advisers will take the time to understand exactly what you need protected and why, and advise you on the most suitable options for your budget.
With an income drawdown plan you can take as much income as you like, as often as you like, until the funds run out.
Managing this is important to make sure you have enough to live on, and that you don’t pay more tax than you have to.
If you die with money remaining in your plan, this can be passed on to someone else.
They can use this to continue drawing income, or save the money for their own retirement.
Income drawdown policies provide the dual benefits of flexibility of income with the potential for further investment growth, but unlike annuities, the income is not guaranteed and will depend on investment returns and the rate of withdrawal.
Take income when it suits you
You don’t need to take an income if you don’t need to. Should you want to, you can set up regular income, take one-off payments, or even take it all out at once.
Just be sure you know how much tax you will pay, and what you will do for income once the money is gone.
Extra-long term investing
Money in drawdown can stay invested if you want, just like your pension was when you were saving. Because you can leave this money invested even in drawdown, it can continue to grow for decades after you started your first pension.
Make sure you manage it carefully because returns are not guaranteed.
Manage your tax-free cash
Phased drawdown is a process which allows you to stagger your retirement benefits, combining tax-free cash and income (if you need income) in smaller increments.
This allows more flexibility in your financial planning.
BBi Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Our registration no. is 652403.
