BMA Services Pension Seminar

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BMA Services Pension Seminar
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Service for BMA Members

• Re-launched on 12th September 2005
• Independent Financial Advice provided by AWD
  Chase de Vere Wealth Management (AWD CDV WM)
• Professionally Qualified Advisers
• Specialist advice

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Areas of Advice

• Mortgages / Re-Mortgages
• Life Assurance
• Income Protection
• Investments Savings Advice
• Estate Planning
• Pensions Retirement Planning

Advice provided by AWD CDV WM
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How do we get paid?

• Commissions
• Fees
• A combination of the two

Advice provided by AWD CDV WM
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Why are you here?

• What have you done to prepare for retirement
• When do you want to retire?
• When can you retire?
• What do you want to do in retirement?
• Will you be able to afford it?

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Pension Planning

• NHS
• State
• Personal pensions FSAVC / AVC
• Performance, Charges Risk exposure
• Alternatively Secured Pension (drawdown)
• Annuity Purchase
• When to retire Early or Late

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The Concept of Risk versus Potential Reward
Risk
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Early Retirement Planning

• Additional Voluntary Contributions (AVCs)
• Personal Pensions
• Investments
• Regular Savings

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Pension Simplification

• A-Day 6th April 2006 New regime
• Annual Allowance
• Investment criteria
• Lifetime Allowance
• Retirement age
• Benefits
• Drawdown/Alternatively Secured Pension
• Protection - Primary and Enhanced

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Next Step

• Over to you
• Personal individual discussion
• Your preferred time and location
• Clear outline of costs to you

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• QUESTIONS

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Important Information

• Issued by AWD Chase de Vere Wealth
  Management Ltd.
• Registered office 10 Paternoster Square,
  London, EC4M 7DY.
• AWD Chase de Vere Wealth Management Limited is
  a wholly owned subsidiary of AWD Group plc, a
  member of AWD Holding AG, Europe's premier
  independent financial services group.
• BMA Services is a trading name and trademark of
  the British Medical Association.  The British
  Medical Association is an introducer appointed
  representative of AWD Chase de Vere Wealth
  Management Limited who are independent financial
  advisers, authorised and regulated by the
  Financial Services Authority, licensed to use
  the BMA Services trademark and trading name.
• If you are unsure of the suitability of
  this presentation to your
• circumstances please contact BMA Services,
  to introduce you to AWD Chase de Vere Wealth
  Management for independent financial advice to be
  provided.