John Stephen Associates Independent Financial Advisors Limited

The Innovation Centre
21 - 23 Greenhill Crescent
Watford
Herts
WD18 8JB

T: 01923 295295

F: 01923 295299

E: jsa@jsaifa.co.uk

Retirement

Whether you have a company pension or the probability is that you have a lump sum that you may choose to take in lieu of part of the

You should review all of your policies with your Independent Financial Adviser in order to establish whether, for example, your has ceased. You should also review and agree a plan that maximises income and minimises tax liability.

You should now consider provision for and an update to your

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The Financial Services Authority does not regulate Will Writing.

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John Stephen Associates Independent Financial Advisors Limited is authorised and regulated by the Financial Services Authority (http://www.fsa.gov.uk/register/home.do). FSA Registration No: 440365