​​Planning for Retirement

It’s never too early to plan your retirement. We will help advise you, whether you would like to start a new personal pension, or review existing pension plans to try and maximise your fund at retirement. We will guide you through the complex pension landscape assessing all options which may be applicable to you or your business, for example personal tax relief on contributions, corporation tax relief, annual allowance, carry forward of previous years unused contributions, lifetime allowance and many other factors.

As people are generally living longer healthier lives, we believe it has never been more important to make the most suitable decisions at the point of retirement. Your pension fund can often end up being your largest asset after your home and so converting this into an income will be one of the most vital decisions you will ever make. The range of retirement options is wider than ever before and taking the income offered by your current provider may not be the best option for you. We can guide you through your options and help you make the most appropriate use of your assets. As part of our service, we can help you understand the difference between annuity and investment based options and choose which would be the most appropriate option for your individual circumstances.

For Annuities, we can compare your provider's terms with the options available on the open market to either negotiate enhanced terms or advise you about an alternative option which is more suitable for your personal circumstances. For Investment-Based Schemes we aim to assess your tolerance towards risk and capacity for loss to recommend an appropriate investment strategy for you. We conduct ongoing reviews to ensure that your investments are working in the most appropriate way for you.

*The value of an investment will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.