For many, retirement is the culmination of many years hard work and a time to relax and enjoy the pleasures of life. However in order to achieve this we need to have income from one or more sources. The way in which we structure our income stream can have a significant effect on our standard of living and the amount of tax we pay.

Advisa Financial Services have considerable expertise in structured retirement planning ensuring you have the most efficient income stream to fit your personal circumstances and objectives.

Our specialist consultants will regularly monitor and review your position to help reduce worry and bring complete peace of mind during your leisure years.

The modern day retirement market is both complex and varied with a number of options available to you. Advisa Financial Services as retirement planning specialists are able to guide you through the maze and put you on the right road to a relaxing and enjoyable retirement.

Advisa Financial Services will explain your options and help you decide which of the following meets your circumstances and objectives in the most tax efficient way:

• Fixed Annuities
• Flexible Annuities
• With Profit and Unitised Annuities
• Personal Pension Fund Withdrawal
• Phased Retirement

Advisa Financial Services is are also in a position to advise you on how best to integrate the following benefits with other sources of income you may have:

• Investment of Lump Sum Benefits
• State Pensions
• Company Pension Benefits
• Deferred Benefits from previous employment