TAG Wealth Management has a wealth of experience in advising on the introduction, implementation and where necessary or advantageous, the winding up of pension schemes.

We are able to help you whether you require a:-

• Company Pension Scheme
• Directors or Executive Pension Scheme
• Small Self Administered Scheme (SSAS) for the Directors of a private company.
• Self Invested Personal Pension Scheme (SIPP)
• Personal Pension
• Retirement Annuity Contract
• Stakeholder Pension Scheme
• Additional Voluntary Contribution Scheme (AVC)
• Free Standing AVC
• Pension Scheme Winding Up
• Pension Transfers
• Annuities
• Funded Unapproved Retirement Benefits Scheme (FURBS)
• Unfunded Unapproved Retirement Benefits Scheme (UURBS)

FINAL SALARY PENSION SCHEMES DEFICITS

Many Final Salary or Defined Benefit Schemes are facing tremendous challenges as a result of a cumulative number of changes going back a decade or more.

Gordon Browns commonly referred to"£5 bn"annual raid has not been helpful and neither was the bear market of 2000 - 2003, however far more disastrous has been regulatory zeal, legal ineptitude, the enforced change of discretionary benefits to contractual guarantees and new accounting standards which have conspired to just about destroy a pension environment that was once upon a time the envy of every other civilised country in the world.

If you have a final salary/defined benefit pension scheme and would like to learn of ways to reduce your deficit, ways that your actuary won't tell you about why not drop me a note info@tagwealth.co.uk.

PENSION SIMPLIFICATION

The 2004 Budget saw proposals to simplify Pension Legislation from 6 April 2006, thereafter known as A day.

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Financial Planning:

Wealth Management is not solely about investing in the stock market.

We believe that the key to wealth management is in its' early planning, in deciding upon the financial outcomes that you want in your life and developing a long-term strategy that is flexible enough to accommodate your ever changing circumstances, whilst offering you the best opportunity of achieving your goals.

We will review your current arrangements and offer our views on their suitability and efficacy and where we consider them to be inappropriate or ineffective we will make alternative recommendations.

The benefit of developing a strategy is that no matter where you are in life you have a broad based plan to ensure your financial security.

PENSION AUDIT

For those of you with unit linked or money purchase pensions you will either have funds that on balance perform above or below average, the question is do you know which.

• Do you know what the difference between the worst and best performing funds is?
• Do you know what the difference is between a fund that performs say 10% above average and a fund that performs at say 10% below average?

CHARGES

The revolution in pensions has meant that charges have been driven down and as you will be aware these charges eat into your pension pot and ultimately the comfort of your retirement.

• Do you know whether the charges on your pension fund are above or below average and do you know what that means to you?

Why not take advantage of our pension audit by supplying us with details of your current scheme so that we can analyse it and report back to. You would like to know if the performance and charges are in your favour and you NEED to know if they are not.

INSURANCE AUDIT

The foundation for any Wealth Management programme is a solid insurance portfolio, a platform that creates the bedrock for all of you other financial needs.

Frequently, we come across individuals paying more in home, contents and car insurance than they do for their life or health insurance.

The last five years has seen some classes of insurance premium driven downwards, you could be paying more than you need to so why not take advantage of our insurance audit service.

We will complete a comparative analysis of your existing insurances and provide you with a summary of their benefits and cost effectiveness in this continually changing market place.

COMPLETE INVESTMENT OPPORTUNITIES

In order to ensure that we provide our clients with the most comprehensive of services we have aligned ourselves with a number of "investment service" providers.

STOCK BROKING

Our stock broking partner is Redmayne Bentley. If you want to buy and sell your own shares, perhaps invest in a discretionary managed personal portfolio, or of you want a "managed portfolio" without the costs normally associated with a discretionary managed fund, you may select from one our risk graded options...

FUND MANAGEMENT

It may be that the amount of your investment is inappropriate for our stock broking partners and that you need a wider range of investments. As Independent advisers we have access to the whole market and can recommend funds and fund management groups designed to meet your long-term requirements.

INVESTMENT MANAGEMENT

We take a fairly simple stance on Investing Funds for clients and do not look to confuse what should be a fairly straightforward process.

In the first instance we like to understand what your attitude to risk it, we need to know what your time frame is and we need to know what your objectives are. Once we have this information we can create an "asset allocation" that is classically designed to meet your own personal risk profile and we are confident that over a reasonable period of time, which ideally should not be less than 5 years, we will be able to produce returns that you will be happy with.

Our objective is to perform above the median, to be above average. If we are fortunate enough to be better than that, great, but above average will not disappoint anyone.

We are able to choose investments from the entire marketplace and we have no allegiance or proprietary requirements to place business with any one institution.

One of the benefits of being truly independent.

Retirement Planning:

There has always been significant press coverage about retirement planning in general and pensions in particular however, since A day we have seen a phenomenal increase in coverage and unusually for the British media much of it quite positive.

It is fact that more of us will get to retirement than will not and with that in mind it is important that we understand what we can expect and where it will come from.

We believe that we offer perhaps the most creative retirement planning service in the investment industry.

Ancillary Services:

We recognise that Wealth Management embraces various disciplines and in order to ensure that your interests are best managed we have formed strategic alliances and work closely with firms in the following groups of professionals to ensure that your best interests are served and we are happy to introduce you to them as and when it is appropriate.

• Solicitors
• Trustees
• Accountants
• Actuaries

MORTGAGE FACILITIES

TAG Wealth Management does not conduct mortgage business.

International:

TAG has given notice that it intends to transact permitted business in Spain via the FSA passporting scheme. TAGs' new establishment will be on the Costa Blanca, between, Alicante and Murcia and detail can be found in our offices section.

In line with with the Insurance Mediation Directive 2002/92/EC, TAG will be able to provide Insurance and Pensions advice along with Insurance based Investment solutions as from 13th May 2007.

We at TAG feel that this will enable us to better assist our existing clients with property abroad and provide us with excellent opportunities to develop business in new and increasing markets.

For further information, please contact TAG;