Planning your retirement

Major changes to pension legislation over recent years mean more choice when it comes to retirement. However, a wider range of options brings greater complexity, making it more important than ever to get the advice that’s right for you before, at and during your retirement.

Planning Your Retirement

As life expectancy increases, planning for a retirement that could last a third of your lifetime raises a number of important questions. How can I be sure I have sufficient income for my retirement? What are my options at retirement and which is best for me? What is the most tax-efficient way to distribute my pension fund after my death?

The fact is there is no simple answer to any of these questions. The pension landscape is complex with legislation changing all the time – and we all have different circumstances and attitudes to risk.

Our approach

Bespoke

You’ll get a very personal service tailored to your precise needs, with regular reviews designed to help you make the right decisions as you plan your retirement.

Expert

You’ll have direct access to our highly qualified team of experts, who’ll keep you informed of relevant changes, without the need for unnecessary account managers or middlemen.

Independent

We don’t provide our own financial products, so you can be sure you’ll get independent, fee-based advice on the widest possible selection of pension products from a trusted adviser.

Holistic

Our in-house colleagues from across our diverse business can provide a range of specialist advice on all aspects of your finances.

How we can help

  • Expert analysis: Analysing the costs and investment performance of your pension plans.
  • Risk profiling: Reviewing the asset allocation of your pension investments in line with your attitude to risk.
  • Forecasting: Estimating the value of your pensions so you know whether your current contributions are sufficient to achieve the income you require in retirement.
  • Choice: Advising on your options at retirement, including pension deferral, income drawdown and the different types of annuity available.
  • Inheritance tax: Reviewing whether your pension funds are protected from inheritance tax in the event of death before or after retirement.
  • Control: Setting up SIPPs or family SIPPs if appropriate to give you greater control over your pension investments and pool your funds.
    Protection: Protecting you against reductions to the annual and lifetime allowances – for example through ‘fixed protection’.

Our credentials

Longevity

We build long-term relationships and have been advising some families over many generations.

Experience

Our directors have an average of 20 years’ experience.

Knowledge

Our team comprises qualified chartered financial planners, as well as chartered accountants, chartered tax advisers and affiliates of the Society of Trusts and Estates Practitioners.

Capital at risk. The value of investments and the income from them can fall as well as rise and you may not receive back the original amount invested.

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