Pension & Retirement

Your vision of retirement will be unique and personal. When to stop working, if that’s a hard stop, phased journey or finally giving a passion a try, any income requirements, plans to enjoy the extra time or perhaps the desire to pass on wealth to others. Many parts can make up the 'ideal' retirement picture, but do you know what’s financially possible?

'A goal without a plan is just a wish'. We believe in more than wishful thinking. To achieve a successful outcome, the right preparation is vital. Especially for an occasion with such financial significance. By understanding what's important, and with use of careful forecast planning, we help our clients gain a clear perspective of what they can expect in retirement, on their current path. If that doesn't support the lifestyle they want, or they aren't making best use of their resources, we recommend effective ways to improve their financial position, for a better-quality retirement. 

Our pledge is that, after engaging with our advisors, our clients are better informed and with the choice to enact positive change.

Whether just starting to contribute, accumulating, or nearing retirement, the decisions you make in relation to your pension and retirement options can significantly impact your quality of life in those cherished later years. The complexities surrounding pensions and taxes are seemingly going nowhere amid the new wave of government policy change. Coupled with the age we are living to, and cost of living, on the rise, we believe it's as important time as any to make sure your planning is in order.

Through our specialist retirement planning services, our qualified team can help you navigate your way to a better retirement for you and your loved ones. Our much-valued clients have experienced the many benefits of working with us on their long-term planning. 

How we can help: -

• ‘At Retirement’ choices - Advising on the most appropriate options - Inc Annuities, Flexi Access Drawdown (FAD), Uncrystallised Fund Pensions Lump Sum (UFPLS), Tax Free Cash (TFC) / Pension Commencement Lump Sum (PCLS).
• Future income forecasting - Establishing longevity (how long sources may last). Where shortfalls exist, the most effective ways to reduce them.
• Tax optimisation saving & income strategies - To enhance asset potential. 
• Lifetime cashflow modelling - Inc key dates & spending requirements. 
• Assessing suitability of current schemes - Inc locating & sourcing detail.
• Assessing appropriate risk of investment - To ensure they're matched for purpose, volatility, attitude, timing, capacity for loss & with extension diligence & monitoring.
• Identifying poor performing or inadequate schemes.
• Consolidating multiple schemes - Where appropriate.
• Defined Benefit (DB) & safeguarded schemes - Offering a prudent advice process.
• Lifetime Allowance (LTA) and Annual Allowance (AA).
• Legacy planning - For earmarked or unused wealth to be passed on.

If you have similar needs to those above, or any alternative pension requirements, then take that first step towards a better retirement & get in touch for a no cost or obligation introductory meeting. 

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.  The values of investments are not guaranteed and can go down as well as up. You may not get back the amount originally invested.