Yorkshire headquartered TL Dallas Independent Financial Services was founded in 1993 and has a team of seven dedicated and experienced Independent Financial Advisers and support staff.

Director, Gary Nixon, said: “I joined the business over 25 years ago and am proud to say three of our team, Jane Maclauchlan, Lynsey Brannan and Kristina Karmann, have also been with the firm for more than 15 years each. As we celebrate three decades in business, we plan to create at least one new permanent role to support the growth of our business.”

TL Dallas Independent Financial Services works with corporate and personal clients providing financial advice, pension fund management services and employee benefits packages. The firm is registered with the Financial Conduct Authority (FCA).

Fellow Associate Director, Jane Maclauchlan, added: “We have a loyal client base and work for many high-net-worth individuals and businesses of all sizes that are based across the UK. Our clients enjoy the continuity of service they receive and the added value we provide – many of our personal clients take advantage of our pension management, inheritance tax and retirement planning advice. Nearly all of our new clients come from referrals by our existing clients, which is a testament to the quality of work carried out by the team.

“Over the last 20 years pension rules have changed a lot. There is much more choice these days, but with increased options, comes the need for more detailed and considered advice. The majority of our personal clients have used our services for many years, and we are very proud of the extensive research and suitability reporting that we carry out, which helps clients to make their decisions in an informed manner.

“Compliance is also an area that has changed a lot over the years and it’s something we are fully committed to. With new Consumer Duty rules coming into effect this year, clients can be assured that they will receive a high standard of consumer protection.”

Gary added: “Corporate clients choose us for their employee benefit schemes, business and life protection products, and critical illness and death in service cover. There has been a definite shift amongst businesses for more employee benefit schemes that cover medical and dental provision post-Covid, as businesses move to look after their people more. Key person insurance is another area that more businesses are keen to invest in following the pandemic, and we work with businesses on an annual basis to review and renew the right cover for their individual needs.”

TL Dallas Independent Financial Services is part of the TL Dallas Group.  Managing Director at TL Dallas, Polly Staveley, said: “Gary and the team have built up an impressive reputation and loyal client base over the years, whilst recruiting and retaining some of the most talented people in the industry. They also help to support the next generation through an Apprenticeship programme, and we are delighted to congratulate the latest trainee, Sam Sharpley who has passed all of his financial services exams recently.”

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The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on their pension plans to make sure they are still in line with their plans.

Over half surveyed (56%) do not have a clear idea of when they want to retire and only 10% have worked out how much income they will need when they decide to stop working. The study reveals it doesn’t get much clearer as you go up the generations, less than a fifth (17%) of those aged between 55-64 have recently checked to see if the retirement date on their pension policy is still fitting with their plans.

Reviewing your retirement date regularly, particularly as you get older and closer to retiring, is to be recommended and most pension plans these days enable you to revise your retirement date whenever you choose.

For some these decisions can seem daunting. At TL Dallas we are committed to helping our clients make the most of their money. Whatever your financial needs and objectives, we can help you achieve your goals, while ensuring that you are comfortable with the risks involved.

If you would like to discuss your pension, or any other financial situation, please get in touch on 01274 465557 or email gary@tldallasifs.co.uk.

It will only take a few minutes, with no obligation on your part, but it could end up giving you real security and peace of mind.

*research carried out online for Standard Life by Opinium (November 2017)

The post Pensions – Get the date right and stay on target first appeared on TL Dallas.