Perfect Pensions IFA - The Pension and Investment Specialist

Welcome to Perfect Pensions the trading name of Ian Burns (independent financial adviser). I started the business in 2001 although I’ve been a financial adviser since 1988. I consider myself to be an investment specialist and these skills are equally applicable to pension and investment planning. I’m also qualified to offer specialist ‘options at retirement’ advice in the run up to retirement and beyond, such as drawdown and annuities.

I believe there are very real benefits to be had by using the services of a small business proprietor and hopefully you might agree. As a sole trader I’m in a position to offer high quality standards at all stages of the advice process and continuity of advice. I use the services of Simply Biz for technical and compliance support and Perfect Pensions is directly regulated by the Financial Services Authority.

The first appointment is always free and without obligation and I should then be in a position to quote for any work that may be required. Most of my clients have chosen to pay a fee for the initial advice although payment can also be made by initial commission. If you choose to pay a fee then Perfect Pensions will take no initial commission and the investment you receive will typically be higher. Most of my fee paying clients pay no initial charges on their investments. My fees are £80 per hour for general financial planning and £120 per hour for ‘options at retirement’ work. This is very competitive in the IFA market and clients benefit from my comparatively low overheads and specialisation in the investment and pensions area.

I do a lot of ongoing research in the investment market and this is beneficial with both investment and pension portfolios. This includes seminars, meetings with fund managers, liaison with fund manager representatives, Asset TV and Morningstar. I build and maintain my own risk rated model portfolios and would be happy to run through these with you. These can of course be adapted to meet your individual needs. I also work with a number of experienced investor clients who like to have some input in the choice of funds. If you have existing pension and investment portfolios I would be happy to advise on these both now and in the future.

In addition to pensions and investments, I’m also happy to provide advice on protection matters such as life assurance and protection of income in case of ill health.

If you would like to take things further, please either ring me on 01438 813055 or complete the ‘contact us’ enquiry form. There are no parking restrictions and you can generally park right outside my house. If you are some distance away and prefer to receive advice remotely, this is also possible.