Planning your retirement

Pursuing a new hobby. Travelling the world. Or simply spending more time with your family and friends. Retirement is about doing the things you’ve always wanted to do. What's clear is we all want something different from retirement. On your last day of work, you’ll want to know your retirement is well funded, so it’s essential to plan ahead.

Preparing For Retirement 1920

Longer life, longer retirement

Average life expectancy is on the rise, meaning your retirement may last for a third of your lifetime. Pension legislation is evolving and there’s a lot more choice now, than in the past. But this has made the landscape ever more complex.

Listening to your aspirations and gaining an understanding of your situation will help us to set you on the path to the retirement you’ve been working towards all your life.

What to consider when planning your retirement

Does my investment manager understand my needs?

No two clients are the same. You’ll get a personal service tailored to your needs. Our retirement experts will ensure you make the right decisions for your life after work.

What financial planning do I need to think about?

We’ll handle that. Our joined-up approach means you’ll have access to specialist advice from senior staff across the business. Unlike other firms, we have in-house investment management, tax advice and financial planning to help you plan every aspect of your retirement. And we are happy to work with any other business that may be advising you in these matters.

What tax will I pay in retirement?

Are your pension funds protected from inheritance tax in the event of your death before or after you retire? Our tax advisers will be able to help you find out.

But will the advice I get be independent?

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

How we work with you

  • Direct access
    Our qualified team of professionals is at your service. When you speak to your representative, you know they’re on top of the issues that affect your retirement.

  • A tailored solution
    We will offer you a personal service. We provide regular reviews and recommendations tailored to your needs, always taking into account long-term market trends and your risk profile.

  • A unique holistic financial plan
    We consider your investments, tax and financial planning when drawing up a plan to support your retirement.

  • Impartial advice and recommendations
    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 relevant investments from a trusted adviser.

  • Risk profiling
    We will advise on the appropriate policies and investments to help meet your needs.

  • Administration
    We can take care of setting up and administering your plan.

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.

Preparing future finances


Growing Your Wealth

Building your wealth

There's more to growing your wealth than maximising investment returns and managing taxes.

Managing Your Taxes

Managing your taxes

Managing your taxes efficiently takes technical knowledge and practical sense.



How we can help