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A refreshingly clear approach to your financial planning

Scamproof your savings

Scammers are after your pension pot! They will try to lure you with promises of one-off investments, pension loans or upfront cash. Most of these are bogus.

Pension Death Benefits

Clients hoping to leave a flexible legacy to family members from their pension need to check that they have everything in place to make that happen. Trying (your executors) to achieve this after your death may be impossible if you were stuck in a pension scheme which doesn't offer the new freedoms, or with an outdated death benefit nomination.


For small pots, there will be the ability to cash in small pots provided the value is less than £10,000 and the total value released is less than £30,000. Individuals in this bracket will still be allowed to continue to make tax-relievable contributions of £40,000 a year.

Drawdown after 6 April 2015

The new simpler flexi-access income drawdown allows people to manage their income throughout retirement, giving control and flexibility.

Cashing In Your Pension

People can cash in their entire pension pot, or receive ad-hoc payments with 25 per cent of each payment is tax-free, an option known as the ‘uncrystallised fund pension lump sum’.

Taking Benefits after 6 April 2015

From 6 April 2015, retirement income limits will be removed for money purchase pensions. So members of pension age will be able to take what they want from their money purchase pension pot, when they want it.

Our Insights page ...

"" ... is designed to give you more information on a whole range of topics, and we will continually add to this as time goes on. We hope you find it useful but please note that it is not advice and you should not take action based upon it.

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 © 2015 Arcaria Financial Solutions Ltd.

Arcaria Financial Solutions Ltd. is authorised and regulated by the Financial Conduct Authority
Registered office: Warden House, 37 Manor Road, Colchester, Essex, CO3 3LX
Company registered in England and Wales. Registered No. 8048391

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If you wish to register a complaint, please write to or telephone Arcaria Financial Solutions Limited, 14 Westlake Crescent, Wivenhoe, Colchester, CO7 9RZ.  Tel: 01206 823953

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.