Spearpoint
Retirement Services

Private Individual

Anyone over the age of 18 should start planning for their retirement, no matter what their occupation. Taking sound, professional advice that is clear and concise is the first step.

The introduction of Retirement Annuity Trust Schemes in recent years has led to a significant change in the pensions market and has, in turn, provided more transparent trust-based solutions for Channel Islands residents to invest in.

A trust-based pension is a viable option for those who have yet to start planning for their retirement or who already have a traditional insurance-based pension but feel it may no longer be the most appropriate arrangement for them.