Retirement Planning

Whether you’re saving for retirement or already retired from work, our pension experts can guide you through the system’s complexities. We cut through pension jargon by providing easy to understand information and clearly communicated advice.

There are many different options to consider, no matter where you are in your pension journey. Workplace pensions, existing or deferred pension products, taxation, legislation, state pension provision, the list goes on and on and on.

We will help you understand the best way to begin your journey and once you have provisions in place, we’ll be able to help you adapt along the way as your circumstances change.  You may just need reassurance that you’re doing the right thing, or have completely lost track of multiple pension pots. Whatever your circumstances, we can provide well-informed tailored solutions.

A pension is a long-term investment not normally accessible until age 55. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

At-Retirement and Post-Retirement

Decisions, decisions and more decisions!  The at-retirement landscape was revolutionised following a new raft of ‘Pension Freedoms’ introduced from April 2015.  Whether it’s still a traditional annuity, the continued flexibility of flexi-access drawdown or withdrawing your pension pot as a cash lump sum, you’ll need to be confident in the decisions you take.

With extended choice and flexibility comes added complexities, so deciding which is right for you is not straightforward.  You may have already consulted Pension Wise or referred to the Money Advice Service.  No matter where you are at in your decision-making process, our expert at-retirement advisers have the necessary experience and qualifications to tailor your own detailed retirement plan.  Our solutions will be aligned to your circumstances and the objectives you are looking to achieve throughout your retirement.

Even if the bulk of your pension income is due from a salary related scheme (final salary/defined benefit), it’s worth considering your options.  Your tax position, family circumstances, state pension and objectives will all have a bearing on the most appropriate considerations and eventual solutions.

Even if you’ve never taken financial advice before, there’s no time like the present. Seeking advice could be the soundest financial decision you’ll ever make.

We’ll always make you aware of the fees you’ll need to pay and ask your permission to proceed before commencing any work.  Your first consultation will be at our cost and you won’t be charged following this meeting should you decide not to proceed.