Our Services

Pensions & Divorce

The breakdown of a relationship can be a hugely traumatic event in anyone’s life and financial settlements such as asset division and financial support can become problematic.

What’s often overlooked is the role that pensions play in this settlement, especially when they’re often not ‘in play’ at the point of divorce. Pensions are potentially huge financial assets and will need expert guidance if they’re to be handled efficiently and effectively.

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Income Drawdown

People often think of pension pots as static investments. The sort of investment that you pay in to for years and then one day they mature and pay out. However, at Sirius Financial we view pensions in a slightly different, more multi-levelled manner that creates opportunities for clients to grow their pension pots and see a stronger return on their investment.

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SIPPs

For those clients that want the sort of pension that offers flexibility to invest where you want, there are SIPPs. These Self Invested Personal Pensions are known in the industry as ‘wrapper’ pensions and work in the same way as normal pensions but with one simple difference, they give you a much wider choice of investments.

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Personal Pensions

At Sirius we try and take the complication out of personal pensions by making them simple. That way they’re easy for everyone to understand and easier to make them work for you the individual.

A personal pension is a growing pot of money that you and your employer can pay in to, allowing you to prepare for your retirement. When the day comes you can take a lump sum or a regular income, but best of all you get tax relief on it.

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Pension Transfers

There are various reasons why you may want to transfer your pension. You’ve changed your job, the scheme is being wound up, you’re moving overseas or you’re combining more than one pension that you currently have.

However the most common reason for transferring a pension is that you want your pot to work harder in a better performing pension scheme.

At Sirius we can help you find the best possible transfer for you. One that performs in the way you want it to and one that gives you the peace of mind and protection for the future.

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