BMA Services Pre-Retirement Seminar

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					BMA Services
Pension Seminar
Service for BMA Members

• Re-launched on 12th September 2005
• Independent Financial Advice provided by AWD
  Chase de Vere Wealth Management (AWD CDV
   – Professionally Qualified Advisers
   – Specialist advice
  Areas of Advice*
• Mortgages / Re-Mortgages
• Life Assurance
• Income Protection
• Investments & Savings Advice
• Estate Planning
• Pensions & Retirement Planning

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

  • Commissions

  • Fees

  • A combination of the two

* Advice provided by AWD CDV WM
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?
Pension Planning
• State
• Personal pensions FSAVC / AVC
• Performance, Charges & Risk exposure
• Alternatively Secured Pension (drawdown)
• Annuity Purchase
• When to retire – Early or Late
The Concept of Risk versus Potential
 Specialist Equities

 Global Equities

 UK Equities

 Commercial Property               Risk

 Fixed Interest

Early Retirement Planning

• Additional Voluntary Contributions (AVCs)

• Personal Pensions

• Investments

• Regular Savings
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
Next Step

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

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.

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