Retirement Income.
Explained in detail.

Retirement Income

A fully managed, low cost online ISA and Pension investment service

Retiring soon?

The day has finally arrived; you’re going to be retiring soon. You probably have a calendar on the wall where you are counting down your last working days. The year and certainly the 6 months pre your retirement is very important. You will hear from the company that your pension is with (your pension provider) giving details of what you can expect to receive as an income in your retirement. At Aspects Financial Services we are committed to helping you maximise your retirement income.

The market is continually evolving to address the flexibility of how you can access your pension savings pot – we can help you invest for long term income and death benefits, or shop around for annuities.

Simply put an annuity is a one off purchase that determines your income for the rest of your life. They are as individual as you are. They have features that can be added and tailored to your specific needs. Each feature or option has an effect on the income you receive so it’s important to consider your spouse or dependents arrangements.

Open Market Option

If you remember nothing else please remember this. Don’t accept the first offer and shop around. You have worked hard to save into your pension fund and you owe it to yourself to use your open market option to get the most competitive rate, and/or style of retirement income to suit your needs.

Impaired Life or Enhanced Annuities

Did you know when purchasing your annuity it’s about one of the only times in financial product shopping that it pays to be in ill health. Being overweight, a smoker, being on certain medications to having diabetes are a few of the common complaints that insurance companies consider will reduce your life expectancy. By completing a medical questionnaire which is sent to the companies underwriting department will check eligibility for a higher rate.

You also have the option to delay your annuity purchase or take your benefits in stages by purchasing a fixed term annuity, phased, or flexible retirement. Your circumstances change throughout your lifetime and insurance companies are realising this could be the same in retirement.

What next?

Call us today on 028 9131 0342
Email us at

Aspects Financial Ltd UK & Ireland

Meet our team

Our Team Of Independent Financial Advisers & Employee Benefits Consultants

Contact us

Stephen Casey Aspects Financial

Stephen Casey

Managing Director DipPFS, Certs CII (MP&ER), QFA

Elizabeth Moorhead Aspects Financial

Elizabeth Moorhead

Employee Benefit Manager


Owen Armstrong

Independent Financial Adviser DipPFS, Certs CII (MP&ER) EFA


Leanne Campbell

Senior Paraplanner

Aspects Sarah Roy

Sarah Roy

Marketing Assistant

Aspects Ian Black

Ian Black

Independent Financial Adviser DipPFS Cert CII MP EFA

Aspects sharon fallon

Sharon Fallon

Personal Assistant

Heather Taylor

Employee Benefit Assistant

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Our Business Partners

We appreciate that you and your business have wide varying needs, not just within our areas of financial planning, so we are delighted to introduce our chosen business partners who we highly recommend in the areas of commercial insurance, commercial finance, and all matters legal.

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