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Contact Us

Arrow Financial Services
46 Watergate Street
Chester
CH1 2LA
Phone: 01244 322 330

Retirement / Annuities

Making the right choices at retirement

The decisions and choices you make at retirement will affect the income you receive for the rest of your life. Having built up funds with your pension provider, it is essential that you do not simply accept the annuity quote that they offer you.

You have the right to choose from the open market

What’s more, no company can guarantee the best pension income in all circumstances. In fact, your pension fund may buy you a higher pension income with some companies than others, depending partly on the pension options you choose.

This opportunity to search the open market allows Arrow Financial Services to approach other companies on your behalf and search for a better quote. At this stage it is essential to take into account your needs and objectives in retirement, including your views on the following issues:

Whether you need all your tax-free lump sum immediately.
Whether you require flexibility over the income amounts you receive in the future.
Whether you wish to maintain control over the investment of your pension fund.
How much risk you are prepared to accept, in order to maximise income.
The level of protection and range of options that you wish to leave for your family upon death.
The level of charges you are prepared to accept.

At Arrow Financial Services our role is to guide you through this time to ensure you make an informed decision.