The main purpose of a pension is to build funds for your retirement in the most tax-efficient way possible. You may contribute regularly to your pension, but do you take full advantage of the tax benefits it offers you? Over the lifetime of your pension, these potential benefits could contribute significantly to the funds available to you at retirement.

Hence we will refer you to a specialist adviser who can provide advice on some of the options available and can help you build up a retirement fund

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.