446735002-Pension-Fix-by-Martin-Lewis

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Alan Higham Chairman Tel: Fax: 0800 255 0215 0845 467 4630 Annuity Direct Limited, Pascall House, Cothey Way, Ryde, Isle of Wight, PO33 1QT Email: info@annuitydirect.co.uk Web: www.annuitydirect.co.uk MoneySavingExpert.com Annuities Guide Thank you for requesting a copy of the MoneySavingExpert annuity guide which I have pleasure in enclosing. I hope you will find this guide helpful and informative in planning for your retirement. We want to take this opportunity to explain a little bit about us and the service that we offer. 1. We are specialists in helping our customers find the right annuity for them. We therefore have access to rates that are not on general offer in the market and can choose the one that will suit you best and give you the most income at retirement. 2. Because buying an annuity is irreversible, we use a special safety net process to make sure that you have ticked all the right boxes and that you are not inadvertently losing any benefits your existing provider might have included. 3. Our advisors are trained to listen and understand your needs and then help you with your retirement journey. 4. We are an independent broker which means we are not tied to any particular annuity provider. 5. We work on either a fee or commission basis depending on what is best for you. 6. We have been awarded corporate Chartered Financial Planner status – currently one of fewer than 600 firms in the UK to be eligible for this award. All of my advisers are members of our professional body and subscribe to its code of conduct. There are a wide variety of options open to you and you have taken a very good and important first step by requesting this guide. Your next step may be to talk to one of our advisers, or, if you would like to continue your research you can look our web site at www.annuitydirect.co.uk which carries more information but more importantly the ability to run your own quotations in real time. Yours sincerely, Alan HighamAnnuity Direct is a trading name of Annuity Direct Limited A Limited company registered in England and Wales no. 06121251 at Pascall House, Cothey Way, Ryde, Isle of Wight, PO33 1QT Independent Financial Advisers authorised and regulated by the Financial Services Authority FSA Number: 464968 Chartered Financial Planners Page 1 of 1
Independence and integrityThis guide is sponsored by Annuity Direct. That’s why it’s free. So let me makesomething very plain. This guide is written with absolute editorial independence.What’s in it is purely dependent on our view of the best ways to save money, andthe sponsor’s view on that is irrelevant.However, the reason we agreed to allow Annuity Direct to be the sponsor –which enables this printed guide to exist – is because, as explained above,we’ve always trumpeted on about how independent financial advice is importantfor most people when getting an annuity and Annuity Direct is one of the biggestspecialist advice companies.It’s very important no one thinks this is the other way round, and that AnnuityDirect is included because it sponsors the guide. Like everything withMoneySavingExpert.com, the editorial (what’s written) is purely about what’sthe best deal. As you’ll see, unlike most sponsored guides, its competitors’details are included, to give you a choice.This document does not constitute financial advice under the Financial Services and Markets Act 2000.If you require such advice, you should seek appropriate professional advice.Annuity Direct accepts no responsibility for the content of this guide. The opinions and informationpresented in this document are those of MoneySavingExpert.com and are not necessarily the same asthose which would be presented by Annuity Direct, by whom this publication is sponsored.All information correct at time of going to press, June 2013.3
Page 1: Martin Lewis’GUIDE TOANNUITIESSPO
Page 5 and 6: Martin’s IntroTHE BIGMESSAGEYou d
Page 7 and 8: Turning your pension pot into an in
Page 9 and 10: Never simply accept your pension pr
Page 11 and 12: For every month you delay buying yo
Page 13 and 14: What if I can’t remember what pen
Page 15 and 16: Tax mattersAnnuity income is taxed
Page 17 and 18: Annuity Angst: Martin’s TipsChoos
Page 19 and 20: Escalating annuitiesIncome grows wi
Page 21 and 22: Stats show how much annual income a
Page 23 and 24: The third way - variable annuitiesA
Page 25 and 26: Capped drawdownIf you have less tha
Page 27 and 28: 3How to ensure you getthe best rate
Page 29 and 30: Pensions companies will have their
Page 31 and 32: Annuity Angst: Martin’s TipsA not
Page 33 and 34: Other benefits to take advantage of
Page 35 and 36: 31Your Notes

446735002-Pension-Fix-by-Martin-Lewis

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