### Are you Authorised and Regulated by the Financial Conduct Authority (FCA)? Pensions are magical gifts from the government to help you save, with lots of tax benefits, for your Financial Freedom and your future. If you put £800 into a Pension you get an instant 25% return – £1,000 gets invested for you – a gift. If you are a higher rate tax payer you get another £200 in tax relief – so the cost to you is £600 – a 67% return. Similar numbers apply for business owners making contributions from the company. Pensions, long term, grow with no income tax paid by the fund or capital gains tax and, if you don’t make it, it pays in the first instance Inheritance Tax Free. A real gift that keeps on giving – a Pension is not just for Christmas – it is for life!