A pension is one of the most critical investments that you will make during your life and our aim is to help you select the right pension plan for you.
Retirement planning is one of the core strategies that we devise for our clients. Recent legislation, allowing a wider range of investments in self-invested personal pension plans (SIPPs) has opened up numerous planning opportunities in this area.
If you are still working
You’re still enjoying working but looking forward to the day when you can stop. Perhaps you are worried about your retirement plans: How much income do I need to retire comfortably? Am I saving enough? Will they provide sufficient income to last? How can I get a secure guaranteed income from my capital? What is the best mix of investments? Am I making the most of my tax allowances?
Whenever you plan to retire, we can help.
We can advise you on how to:
- Understand how your choices will affect your income
- Effectively build and protect your retirement fund
- Consolidate your pension arrangements
- Top up your pension.
If you are about to retire
Your life is about to change and the financial decisions you make now will affect the rest of your life. You want continuity and reassurance that your retirement income will be secure, to pay your bills, enjoy the luxuries of life and have money left over, maybe to help your children and grandchildren.- What income will my pensions provide?
- How much income do I need to retire comfortably?
- How can I ensure that I get the income I want?
We can provide expert advice and help ensure you have the right plans in place.
We can advise you on how to:
- Make your savings work harder to meet your current and future income needs
- Get the best possible income from your pension fund
- Protect your capital
- Replace the company benefits you enjoyed in your working life.
If you are already retired
You’re enjoying your well-earned retirement but may be worried about your future income. You want to be financially secure, to make the most of your life, stay active and not be a burden to anyone. But can you afford it? How do I deal with the three risks of retirement – living longer, health, inflation? How can I protect my capital? How can I balance saving and investing for the short and long term?
We’ll look after your retirement plans and all the paperwork so you can enjoy your retirement.
We can advise you on:
- How to reduce volatility and risk by spreading your savings across a wide range of investments
- Making your savings work harder to meet your current and future income needs
- Inheritance tax and estate planning
- Paying for care home fees for as long as necessary
- Simplifying the administration of your investments.
The Financial Conduct Authority does not regulate taxation & trust advice, will writing and some forms of offshore investments.
The value of investments and income from them can fall as well as rise and you may not receive the full amount invested.