Financial Planning Consultant Chartered ALFBF in Rochdale
I am a Chartered Associate of the London Institute of Banking and Finance. I have expertise in pensions and investments, with a high degree of technical knowledge gained from working in the financial services industry since 2001.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Home contents insurance, buildings insurance.
I was initially referred to Azim by Kevin (my financial adviser). Azim has the relevant qualifications for the transfer of final salary pensions,and provides a very good service.
Transferring such type of pensions is a complex and lengths process. From the start of transferring my Hilton final salary pension Azim established a very good rapport and interacted well with me. Whenever I required assistance he was only a call away. He was always thorough and clear with his explanations . All done in a calm and professional manner and with a good sense of humour which helps when dealing with such occasional dull and complicated proceedings.
Transferring my pension was one of the major decisions in my life. Thanks to Azim's dedication and attention to detail ,I felt confident in believing in his advice which gave me peace of mind and helped develop a trusting relationship with him. It is hard to find someone of his calibre and qualities in the financial sector . I could sense that he is proud of his job and acts for the best interests of his customers.
I am highly enthusiastic and committed to helping individuals, business owners, the self-employed, and entrepreneurs achieve their financial wealth goals. I enjoy assisting clients in building and preserving wealth through effective investment, tax, and retirement planning.
I have specialist knowledge in final salary pensions and am qualified to advise on pension transfers to flexible access arrangements.
Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.
Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.
