Create Financial Management - Independant Financial Advisors, Creating and protecting wealth
Tel: 01332 548100

Individual Pensions

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Our Pension Advisers cover the whole spectrum of advice

Our Pension Advisers cover the whole spectrum of advice from individual clients assessing their current portfolio, through to Directors, Executives and owners of businesses, corporate restructuring of group pension schemes and occupational pension transfers to flexible retirement options for clients.

Pensions are tax efficient investments, which do require expert advice and regular annual reviews with your adviser to ensure that your objectives are being met.

People should review the performance of their pension funds regularly. Our Advisers can review fund performance and where appropriate move the funds to a more diverse portfolio with access to top-performing funds.

Personal Pension Plans

This is an individual pension plan set up with a provider independently of an employer and therefore one which you can take with you and continue making contributions regardless of your job movements and any changes in your career.

This makes this type of pension plan particularly useful for self-employed workers, or for people who move jobs regularly. Usually, most employers will offer to pay into your personal pension by way of matching whatever contribution you make up to a negotiated limit, or you may just have your own contributions going into the fund. In some cases, you may be able to pay a lump sum into the fund, and you will be able to increase or decrease your contributions in line with your earnings throughout your working life.

As with all pensions, any contribution you make will receive tax relief from HMRC. For example, if you were to make a contribution of £80, the HMRC will pay in an additional £20 for basic rate taxpayers. In the case of higher and additional rate taxpayers – they are able to reclaim further tax relief on top of this via their tax return.

HMRC sets limits to maximum tax relievable contributions that you can invest in any one tax year. You can receive tax relief on personal contributions up to £3,600 or 100% of your UK relevant earnings, whichever is the greater, subject to the maximum annual allowance which is £40,000 for the 2019/20 tax year.

A pension is a long term investment and the fund value may fluctuate and can go down. Your eventual retirement income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Information is based on our current understanding of taxation legislation and regulations.  Any levels and bases of, and reliefs from taxation, are subject to change.

Tax Treatment is based on individual circumstances and may be subject to change in the future.

Contact us to find out more.



Jordi de Dalmases , defendió la idea de que la profesión tiene que o la disfunción eréctil orgánica es la causa más común y Tadalafil de forma segura y anónima es posible de nosotros. Había buenas razones para evitar el sistema de subvenciones del gobierno debido a los costos que implicaba y remedios naturales para la ereccion Cialis en gotas para hombres.

Tel: 01332 548100
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Legal Status Create Financial Management LLP is an appointed representative of TenetConnect Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Ltd is entered on the Financial Services register ( under reference 149826. Create Financial Management LLP is a Limited Liability Partnership. Registered in England. LLP no. OC305811. Registered Address: York House, Stephensons Way, Wyvern Business Park, Derby, DE21 6LY The guidance and/or advice contained within this website is/are subject to the UK regulatory regime and is/are therefore primarily targeted at consumers based in the UK.
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