IFA Lowndes Alexander Daniel

read moreMy name is Simon Lowndes and I am the Principal of LAD IFC Ltd we have been trading as a directly authorised and regulated fully independent limited Company since 2005. I personally have been a Regulated Adviser for nearly 31 years - the last 20 as an ''Independent Financial Adviser'' specialising in ''pensions'' and ''investments''. Lowndes Alexander Daniel have built an enviable reputation within the world of retirement planning by being different. LAD IFC are Independent Financial Advisers with advanced qualifications and nearly 30 years' experience.

read moreOften your pension is your second biggest asset after your property and for many people, it may even be their biggest. So why don't we know more about our pensions and give them a regular M.O.T in the same way we do our car? Fees and Performance - these are the main areas to establish and review - get either wrong and you have a problem that will undoubtedly cost a significant amount of money over the long term. Many pensions are invested in funds that are closed to new investments - they have high ongoing fees and poor returns - in many respects, they act as a "cash cow" for the Life & Pensions industry as individual investors have a very low propensity to review and subsequently remove them and place the funds elsewhere.

read moreKeith is 55 from Manchester. He is struggling with his health due to working for many years in manufacturing and wants to retire now. Keith also has a family history of heart disease. Keith wants the flexibility to take more now, and less in the future - something his scheme cannot offer. In also being conscious of his ill health, Keith is aware that his wife would only receive 50% of his scheme pension if he passes away. Keith is also concerned that his employer has been recently taken over and that there are changes affecting the future security of the company.

read moreOne of the most significant areas within independent financial advice encompasses pension and retirement planning. The same disciplines and processes applied to investment planning apply equally to retirement planning. After all, a pension is an investment within a suitable wrapper or retirement plan. As G60 qualified Pension and Investment Consultants, we are often asked by our clients to look at their existing pensions and retirement provision within an overall planning context. If your pension falls short of these requirements, it may be time to consider contacting us for a personalised pension statement.

read moreOur starting point is that moving to an alternative arrangement from a defined benefit pension scheme won't be right for most people unless one or more of the following is an important consideration for them.