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Pensions & Retirement Planning

Life after the Forces

Planning for your future and retirement for the forces isn’t necessarily the end of your career. As a member of HM Forces, you may well be facing a career change on your 40’s, and faced with difficult decisions about “what next?”

Although you will have the initial support of a resettlement grant and compensation payments, could you afford to live on a half or one third of your former pay? If you don’t keep saving for retirement that’s exactly what could happen.

We can assist with the decisions you need to make in the transition to civilian life, and the longer term planning issues to secure your future.

How many pensions?

Service pensions are a complex issue, with the introduction of AFPS 15 you may have one, two or possibly three pensions to understand.

AFPS15 was introduced on 1 April 2015, and all regular serving personnel moved to the new scheme (except those who were aged 45 or over on 1 April 2012), together with Reserves (except those in the RFPS who were aged 50 or over on 1 April 2012). Unlike previous pension changes that allowed past service to be retained there will be no option to remain on the former scheme so all new joiners and re-entrants after its introduction will be enrolled into this scheme.

If you need help on the new AFPS15 or past service contact us today.



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