© 2011 Andrew Dickson Limited - chartered financial planners Andrew Dickson limited                             chartered financial planners Tax rules governing pension arrangements continue to change and new pension arrangements will have to be made by all employers shortly with automatic enrolment of employees. As all of this evolves, current professional advice is more important than ever before. Making new arrangements: If you are thinking about starting a new pension arrangement, talk to us. We will be pleased to help where ever possible. Reviewing existing arrangements: You may feel it is time to review your existing arrangements. We will be pleased to help and advise on the best way forward..... for both individual and group arrangements. • Decisions at retirement - getting the most income from your pension fund will involve looking at a range of options and we can help you select the one most suitable for you - including conventional annuities, asset linked and enhanced annuities, income drawdown plans and phased retirement. • Pension transfers - we are also authorised by the regulatory authority to advise on pension transfers. • Stakeholder pensions - People considering Stakeholder Pensions more often than not need advice and guidance - we can help, particularly with Group schemes. Talk to us about it - you'll be pleased you did ! Services  -  Pensions Read our views on opting out of the State Second Pension