Retirement And Pensions with Stephen Gabbitas
Retirement And Pensions
The generous tax reliefs allocated within pension arrangements means that they play an important role in tax planning. Personal contributions to a pension currently qualify for Income Tax relief at the individual’s highest marginal rate and can also indirectly provide other tax advantages.
For example, using the Tapered Annual Allowance, carrying forward unused reliefs and optimising Lifetime Allowance protection opportunities.
A brief guide to help achieve your retirement goals
You can pay in a regular amount or make a one-off lump sum payment.
Other people can also make a contribution on your behalf – employers, partners or other family members can help you save for your retirement.
You can pay into a pension for someone else, for example your children (age restrictions apply).
It is flexible – you can change the amount you pay in, and also pay lump sums if you wish.
If you die before you retire, the value of your plan could be paid as a cash lump sum to your beneficiaries.
The amount of tax relief you’ll receive depends on your individual circumstances.
To have an initial conversation with Stephen,
please call 01444251882
Stephen Gabbitas – Senior Adviser
Stephen Gabbitas is a Chartered Financial Planner with over thirty years’ experience in the industry. His expertise lies in investments, pensions and inheritance tax planning.
Stephen believes that it is crucial to align your legal needs with your investment strategy, and that’s what he’s here to help you do. The biggest motivating factor across Stephen’s career has been to help others achieve success, and he gets a great deal of pleasure from seeing others doing well.
Qualifications: FPFS, Chartered Financial Planner, Dyke Golf Club
Out of Hours: Stephen is a Trustee of the Wellesley Charitable Foundation. He lives with Sally in Henfield – they enjoy walking their dogs on the nearby South Downs. Stephen is also a member at the challenging Dyke Golf Club and also at The Drive Bowling Club. Other leisure time activities include gardening, cooking and getting away in his motorhome whenever possible.
Wellesley Wealth Advisory & St. James’s Place Wealth Management
For Investment Management, as a Principal Partner Practice of St. James’s Place Wealth Management, we have access to a variety of carefully-selected fund managers of outstanding ability to manage the St. James’s Place funds.
Our approach with St James’s Place offers our clients a real opportunity to diversify their investments by spreading their money across funds managed by who St. James’s Place believe to be first-class managers with different styles. It also enables St. James’s Place to change any managers at short notice if they have lost confidence in them, without any inconvenience to our clients.
We believe the process we follow provides our clients with the best chance to achieve superior returns over the medium to long term from expert investment management.
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Wellesley Charitable Foundation
The Wellesley Charitable Foundation was set up in 2012. The principal aim of the Foundation is to raise money for local charities in Sussex and the surrounding counties which help ill or disadvantaged children.