Most people assume a home or vehicle is their biggest financial commitment. In reality, purchasing a retirement annuity or managing a modern money-purchase pension pot represents a far larger transaction. Wexdon ensures you never settle for default terms.
National Insurance Contributions qualify individuals only for a basic State Pension. While a foundational safety net, state provision will never sustain the lifestyle you have worked hard to achieve.
By setting up structured personal pensions and taking full advantage of statutory tax relief provided by HM Revenue & Customs, your contributions grow with compound interest sheltered from capital taxes. Small regular contributions commenced early consistently outperform erratic late injections.
A little-known statutory benefit enables parents or grandparents to establish personal pensions for non-working children. The government adds 20% basic rate tax relief to contributions up to statutory limits, creating decades of uninterrupted compounding.
We arrange bespoke pension audits conducted by vetted, integrity-checked IFAs to evaluate:
Tailored solutions for business owners, corporate directors, and self-employed professionals seeking greater investment control.
The ultimate "DIY wrapper" offering complete flexibility and control over underlying assets. Enables direct holding of commercial property, individual UK equities, overseas shares, investment trusts, and cash deposits.
SIPPs can borrow up to 50% of fund value to purchase commercial trading premises. A business owner's trading company can enter into a Full Repairing and Insuring (FRI) lease with their own SIPP. Rental payments are fully tax-deductible for the business and received completely tax-free inside the SIPP wrapper.
With employers rarely offering final salary schemes to new staff due to escalating balance sheet liabilities, Group Personal Pensions provide essential staff retention and recruitment value while achieving National Insurance efficiencies.
Introduced under strict statutory standards featuring capped annual management charges. Accessible entry points as low as £20 per month with no mandatory continuation. Full support for workplace auto-enrolment compliance.
Navigating Money Purchase versus Final Salary structures, Additional Voluntary Contributions (AVCs), shortfall projections, and valuable occupational Death-in-Service benefits (typically starting at 4x basic salary).
Pension funds often exceed the value of the family home in matrimonial disputes. We provide impartial expert pension valuation reports for Family Law solicitors and SRA proceedings, evaluating Pension Sharing Orders vs Attachment vs Offsetting.
An annuity is an irreversible, once-in-a-lifetime contract. Never accept the default rate from your existing pension provider without a whole-of-market search.
Did you know that health conditions and lifestyle factors can boost your guaranteed retirement income by up to 40% for the rest of your life?
Specialist annuity underwriters calculate reduced statistical life expectancies and pay enhanced regular rates. Qualifying conditions are not limited to major illnesses like cancer or heart conditions; they frequently include everyday lifestyle factors such as:
Wexdon conducts exhaustive medical fact captures to squeeze maximum lifetime income from specialist providers.
For individuals who wish to defer buying an annuity, Income Drawdown allows your pension capital to remain invested in growth funds while drawing regular income within HMRC limits.
Guarantees a fixed nominal income for life in exchange for your pension pot. Maximises initial starting cashflow, but purchasing power erodes progressively over prolonged retirement periods due to inflation.
Also known as Escalating Annuities. Regular payouts increase periodically in lockstep with the Retail Prices Index (RPI) or at fixed increments (e.g. 2.5% p.a.), permanently hedging against inflation shocks.
Segments your pension fund into up to 1,000 mini-contracts, vesting only what you need each tax year as you transition from full-time employment to consultancy. Combines guaranteed baseline security with growth upside.
Speak with Richard Briggs or schedule an introduction to an integrity-vetted Independent Financial Advisor in Chelsea, London, or via Skype.
