MISSION STATEMENT:
“With over 15 years experience, ISM Financial Management has built an excellent reputation for providing quality advice and ongoing client care which are of utmost importance to our business.”
Annuities
In return for handing over a one off payment to an insurance company or pension provider (i.e. your retirement fund), the company then pays over regular sums until a particular event, usually death.

An annuity is used to provide a pension by any scheme that builds up a pension pot. Different kinds of annuities are available depending on whether you want to provide for dependents and to what extent you want your pension payments to increase.

Due to the number of annuity choices available it is important to discuss these with an independent financial adviser.

The value of the investment can go down as well as up and you may not get back as much as you put in.
investment strategies
pension planning
family/business protection
tax planning
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