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Pensions

A smart approach to retirement planning

Prepare for the post-work future you want today

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How do pensions work for those without a paycheck?

While most people don’t even notice their pension contribution being deducted from their wages every month, things are different for independent professionals. You need to make sure you’re putting enough away to cover your desired retirement standards while making decisions about where your money goes and how hard it works too. 

Save for retirement while saving tax

The good news for contractors and company directors is that pensions provide a great way to achieve significant tax breaks. By deducting your pension investments from your pre-tax income, you can enjoy tax relief as well as avoid national insurance contributions.

A pension is a crucial aspect of financial planning to get right, especially for contractors and company directors. For that reason, we ensure we know your circumstances inside out to recommend the best and most tax-efficient approach.

We work exclusively with Arun Sahota at the Fairstone Group. Arun is one of the UK’s most senior financial services professionals. Having started his career in a boutique wealth management firm concentrating on Ultra-High Net Worth families, he has run his own business via partnership with the Fairstone Group  for the last 7 years.

Arun advises the ultra high net worth market, as well as PAYE earners and contractors – both inside and outside #IR35. He has a particular specialism in pensions and inheritance tax planning, and regularly provides training in tax planning to the accountancy and legal sectors. He will take into consideration your earnings, expenses, existing investments and retirement aims to tailor a package that meets your precise needs.

All statements concerning the tax treatment of products and their benefits are based on our understanding of current tax law and HM Revenue and Customs’ practice. Levels and bases of tax relief are subject to change.

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Unlock peace of mind with pension planning

Pensions are already complicated for those with day rates and contracts. Take the pain out of pension planning so you can be sure the money you invest is working as hard and as tax efficiently as possible, allowing you can stay focused on your business.

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