Pension & Retirement Planning

Why consider pension & retirement planning?

Planning your income at retirement should be started as early as possible. We will help you choose the right pension plan for you at whatever stage in your working life you may be. You may have a number of plans from previous jobs, we will help you check they are the right way forward for you. We will gather together all the information required to tell you how much retirement pension you currently have, how much you need to retire at your chosen age and, where possible, how to make up any shortfall. We can review your pensions regularly to check you are on track.

If you are looking to retire we will help you choose the right income stream for you with your post retirement income strategy which may be flexi access drawdown or purchasing an annuity - we can help with both or a mixture of both. Many employed people are now being enrolled in Auto Enrolment schemes by their employers, we can help you understand what this means for you the employee. We can also assist employers in setting up and administering these schemes and meeting the legal implications of these as set out by The Pension Regulator.

Pension Freedom has been in the media repeatedly - again we can help you understand what this can mean to you. We can help you decide how much income to take when, how much Tax Free Cash you have available and at what age you can take it. We can help you ensure your income lasts your lifetime by advising a realistic income per year. We can also help ensure your dependants are catered for and receive your pension pot should something happen to you in a tax efficient way.

Other Services

We offer a sympathetic advice service for clients who are divorcing and specialise in Pension Sharing Orders and this complicated process. We take work from solicitors and clients alike.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.

Ready to find out more?

Our friendly team is ready to take your call.