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Beard and Coles Financial Planning, Gold Financial Services, Inspire Financial Partners, Robinson Sharpe Financial Planning & Hoare Jacques Financial Planning are trading styles of Warwick Road Financial Services Ltd which is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

Warwick Road Financial Services Ltd registered address: York House, Smisby Road, Ashby de la Zouch, LE65 2UG. Registered in England and Wales No. 9303523

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Pension Planning

It's important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.


With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.
We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think. This article explains further.
Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.
Starting from October 2012, up to 11 million workers will be automatically enrolled into a workplace pension. Larger employers will go first, with small and medium sized employers following over the next six years. This article provides more information for employees.

The Financial Conduct Authority do not regulate auto enrolment.
The government has introduced a new law designed to help people save more for their retirement. It requires all employers to enrol eligible workers into a workplace pension scheme if they are not already in one.

The Financial Conduct Authority do not regulate auto enrolment.
The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you convert the fund into a regular income payment, which is designed to replace some (or all) of your employment income.
Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it's unlikely that they will continue to account for as high a % of retirement income products as they have in the past, Why, you ask? This document will explain further.
On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your pension savings and the options you have in retirement. This document does NOT apply to people who are in Final Salary pension plans.

UK News

A new analysis suggests there's a greater chance of the heavy rain that led to extensive flooding in 2014.
Police say the findings "corroborate" the theory Ben died in an accident involving heavy machinery.
The Biggest Weekend is taking place next May as Glastonbury has a year off.
More men seek help but less cash is spent on services for both genders in Wales than England.
A man was struck during the incident, but it was not terror-related, police said.