Pension planning

Retirement planning has evolved rapidly over the last couple of decades. Fewer people enjoy the guaranteed income that comes with a final salary pension, and you now have to wait for longer to qualify for the state pension. In short, having plenty of money in retirement is on your shoulders - so the more prepared you are, the better your retirement will be.

This information is for guidance only. If you are looking for specific advice to your situation, please get in touch.

The value of pensions can fall as well as rise and you may get back less than you invested.

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Founded in 1998, Southern Financial Services is an independently owned, family company that prides itself in offering easy to understand, professional advice to clients both across Scotland and throughout the UK.