What is your introductory pension meeting all about?

It’s about engaging with you so that you gain a true understanding in plain everyday terms about how your pension fund works, how considered changes we can make for you will potentially greatly affect your long-term retirement income and how we monitor things going forwards with you.

Why book your 1-2-1- pension meeting?

At Whistlebrook, a pro-active approach to workplace benefits is being taken, in order to enable all Staff to maximise their benefits.

Therefore, Whistlebrook has appointed us at Patterson-Mills to provide you with the qualified and completely independent guidance on ‘all-things-pension’ that you deserve.  This advice is paid for by the Whistlebrook, though please note that you are still able to seek your own independent advice, should you so wish, irrespective of whether you meet with us.

Tax savings – with a twist!

The usual income tax reliefs apply (at your highest rate between 20% and 45%) and, because of the way we have set-up the pension scheme at Aviva, using the process of salary exchange, you also save your own National Insurance Contributions on every contribution you make.

This amounts to extra savings alone of 12% for basic rate taxpayers and 2% for high rate taxpayers.  This extra saving will be illustrated for you with your own personal figures at your meeting, to help target your retirement income objective.

Investing your money

Although pension schemes invest your money for you, we know from experience that returns can vary widely over the longer-term.  This is affected greatly by things like:

  • the level of investment risk
  • the investment assets chosen and how they are managed
  • the level of management charges

This is why optimising things now and then meeting us annually to monitor, review and update things is the best way to maximise the future pension, the earlier the better and that’s what your 1-2-1 pension meeting is all about.

At your first meeting, you will be shown:

  • a personalised illustration with full costs and benefits
  • projected pension income in today’s money so you can easily target your future income needs
  • how the considerable tax benefits and the company contribution work for you

When you hear from Jeanette Mills of our Corporate Pensions Team that you are invited to your Pension Meeting, we feel sure you will be pleased that you arranged a time-slot for one of our visits to Whistlebrook’s offices.
For anyone who cannot make a meeting at your office, we also offer online meetings at which to discuss these matters, for your convenience.

Our pension consultants are Chris Rathbone and Edward Mills and you will be asked to pre-book a convenient time-slot using our online booking system.

What happens at the 1-2-1 meetings

These last one hour, there is a lot to cover and we have our own distinctive way of showing you how being engaged with your own pension fund, its workings and how you can affect exactly how it benefits you in the future, you will likely not have had such a meeting before about any company pension scheme in which you have been a member.

You will be given the opportunity to discuss your own personal questions, requirements and any previous pension schemes or funds you may have.

These meetings are totally confidential, including discussion as to how best match your ideal investment asset allocation with your own objectives.  We assess and fully explain, with real examples, what is your ideal level of investment risk, most appropriate to match your ability and objectives in this area.

We take you through your personalised illustration showing your own projected benefits, including an example of how making the enhanced contributions yourself would greatly benefit you.

As mentioned above, the distinctively generous tax incentive Whistlebrook provide will help you decide the best contribution rate to fit your budget, whilst maximising your own investment returns.

Book now!

So, as you can hopefully see, there’s plenty to discuss and it only takes an hour, paid for by Whistlebrook, to boot!  Please be sure to book online when you receive notification from Jeanette to meet us on our visit, we know you will be pleased you did and very much look forward to meeting you.

Your pension really matters and just investing an hour today could go a long way for your financial well-being in the future, for many years to come.

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