Pensions Planning
When it comes to providing for our retirement too many people are doing too little too late. Putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire. The golden rule for most people, is to not rely on the State alone. Modern pensions benefit from tax breaks and nowadays, you can even contribute to your pension if you don't work.

Pension legislation dramatically changed on the 6th April 2006, to see how this may have affected you, contact us for a personal appraisal of your pension situation. See the Pension Simplification page for more detailed information.

Pension Planning

Today there are a number of tax efficient ways of providing for a comfortable retirement. The area is complex and choosing the right vehicle requires a detailed understanding of your personal circumstances, tax position, employment status and more. The following are some of the main types of pension contracts and retirement options.


If you would like a 'no obligation' chat about your pension arrangements, aspirations or if you have any concerns, please call us on 0141 248 4901.

Retirement Planning

This is all about knowing how to maximise the income (& Capital) from your pension arrangements (and other assets) and should take into consideration your personal circumstances, tax efficiency, inheritance tax, your beneficiaries, flexibility and of course control. Roger Jamieson can provide detailed advice following a thorough financial review. Some of the main contracts available for drawing your pension benefits are:


For Investment Planning we make recommendations based upon the Whole of Market.

The levels, bases and reliefs of taxation are subject to change.

The guidance provided within this website is subject to the UK regulatory regime and is, therefore, primarily targeted at consumers based in the UK. This site does not confer any form of personalised financial advice, should you wish to receive specific financial advice please contact us.

Watt Financial Solutions has now merged with Riverpark Investment & Financial Consultants Ltd
which is authorised and regulated by the Financial Conduct Authority. 
Riverpark Investment & Financial Consultants Ltd is entered on the FCA register under reference 455480.
Donald Watt is Accredited by the Society of Later Life Advisers