Retirement Planning

Retirement is a time for you to enjoy the fruits of your labour. we can help you achieve financial security in retirement.

If you are retiring within the next 10 years, the questions will be more pressing: When can you stop working? Will you have enough to enjoy yourself? Will you have any left over to hand down to your family? How much will the tax man want?

The good news is that thanks to the changes the government made to pensions legislation in 2015, there is now more flexibility in the way you can access your pension benefits. For example, instead of buying an annuity with your personal pension when you retire – you could use your pot to provide a flexible retirement income.

This would allow you to take some of your pot (usually up to 25% of the fund value) tax-free, and keep the rest invested into funds from which you can draw a regular or ad hoc income.

This could mean you can now retire earlier or go part-time as you prepare for retirement. But how do you know if you are doing the right thing for your long-term future?

Our financial planners will help you to define what your long-held dreams for retirement are. Then they’ll maximise your financial arrangements, so your money is on track to help you achieve your retirement goals. For example, showing you how to use your annual allowances in the most tax efficient way, paying extra contributions into your pension and making the most of other savings and investments.

Have more questions about your Pension? Use one of our helpful calculators to find out more:

Pension Transfers - Non Specialist

Get advice on transferring pensions where you do not need a specialist. For example, a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (This should not be a defined benefit pension).