Billy Burrows has been advising clients about annuities since 1990 and is recognised as one of the country's leading experts on annuities.

David is a Chartered Financial Planner with over 20 years experience of advising clients in all areas of investment, pension, estate planning and corporate advice.

We normally charge fees rather than taking commissions but with smaller annuity cases it is more appropraite to take the commission.

Our advice is tailored for each individual and we offer the following services:

Standard Annuity Service

This servce meets the needs of those who have modest pension fund and require expert advice about their annuity options. The key features of this service are:

• Information and advice on all annuity options including:
  • Enhanced Annuities
  • Where appropriate, With-Profits annuities
• Advice on the key issues:
  • Timing of annuity purchase
  • Single or joint
  • Level, escalating or investment linked

Lead Consultant - Duane Payas

Retirement Planning (annuity & drawdown)

This is designed for those with more complex requirements and provides specialist and professional advice on the following:

• Specialist advice on all retirement options including:
  • All types of annuities including flexible options
  • Pension Drawdown (Unsecured Pension)
  • Alternatively Secured Pensions
• Risk Analysis:
  • Annuity v Drawdown
  • Investments and mortality drag

Lead Consultants - Billy Burrows & David Cummins

 

Fees for Annuity Advice

• No charge or commitment for initial advice - includes annuity quotations
• If would like to appoint us as your annuity adviser, we will quote you a fee in advance.
• Our fee is generally taken from annuity commissions, with any surplus commission being re-invested to increase the annuity income
• We have a minimum fee of £500. If we receive commissions less than this we will invoice you for the difference

Fees for Drawdown Advice

• No charge or commitment for initial advice - includes annuity quotations
• If would like to appoint us as your adviser, we will quote you a fee in advance.
• We do not take initial commission on Drawdown, and our fees are directly related to the complexity of the advice and size of pension funds
• We will charge an annual fee, normally fund related, to provide ongoing advice

Financial Planning Service

As Charted Financial Planners we recommend taking a "holistic" view of your financial circumstances.

• Key issues:
• Your lifetime income requirements
• Your attitude to risk
• investment and pension assets
• Tax planning including IHT

Lead Consultant - David Cummins

 

Fees

This is a fee based service

 

In all cases, we will provide you with our Terms of Business, and other regulatory information at the beginning of the advice process