Pension Advice

A good pension requires making good decisions.

Trusted pension advice in Louth and the surrounding areas from Florins. You will want to know that your pension can provide you with enough money during retirement. The decisions you make now can influence the level of income you can expect to receive. We can help you make good decisions.

Pensions – A tax efficient investment

For every £100 paid into a pension by a basic rate taxpayer, the government pays in £25, making the total contribution £125. The limit on tax relievable contributions is currently set at £40,000 per year or 100% of your salary (whichever is lower).

If you are a non-earner or earn less than £3,600 annually, you can contribute up to £2,880 net to your pension, so that once tax relief is added your total annual contribution is £3,600.

If you’re a higher rate taxpayer you can claim a further tax relief top-up through your tax return.

If you die before the age of 75, your pension can usually be passed on as a lump sum without inheritance tax.

We help you to:

start contributing as soon as you can to give your pension fund lots of time to grow
work out how much you can afford to pay in.
understand what the rules are when it come to the maximum permitted contribution amounts
ensure you contribute in such a way so as to get the best tax relief
choose to invest your pension in funds that are appropriate for your level of risk and give your pension the best chance of growth
choose a provider and plan that gives you all the right options at a reasonable cost
regularly review your pension to make sure it continues to perform
know when you can reasonably expect to be able to afford to retire
fully understand all your options at retirement and take your pension in a way that suits your circumstances and is tax-efficient

Risk warning.

As always with investments, with a pension, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.

You're in good hands, but these legal bits are for you.

Florins Pensions & Investments Ltd is authorised and regulated by the Financial Conduct Authority.
Florins Pensions & Investments Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 512554

Licensed by the Institute of Chartered Accountants in England and Wales to carry out the reserved legal activity of non-contentious probate in England and Wales

If you wish to register a complaint, please write to or telephone 01507 304222. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at financial-ombudsman.org.uk or by contacting them on 0800 023 4 567. If you cannot settle your Probate complaint with us, you may be entitled to refer it to the Legal Ombudsman at legalombudsman.org.uk or by calling 0300 555 0333.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

We'd love to talk to you send us a message

Florins, 132 Eastgate, Louth,
Lincolnshire, LN11 9AA

01507 304222

[email protected]

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Florins Wills & Probate Ltd is licensed by the Institute of Chartered Accountants in England and Wales (ICAEW) to carry our reserved legal activity of non-contentious probate in England and Wales.

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