Get creative with pension planning

These days, conventional retirement planning tends to involve either accumulating funds in a personal pension on a wrap platform of the advisers choice or, where the size of the pension pot warrants it, using a low cost SIPP with a discretionary fund manager. For corporate clients, group personal pensions are set to be replaced by the age of the corporate wrap, which sees a new dawn approaching as a result of auto-enrolment. These conventional approaches make perfect sense for the majority of individuals, but there are options to be creative with retirement planning. Protected righ...