Retirement Planning
Saving for retirement is often one of the most significant challenges faced by many people. It’s no longer just a case of putting money into a pension and then buying an annuity.
Far Wider
Pension Choices
Pensions have evolved to offer far wider choices – not only when you can access benefit but also how you can access benefits to suit your requirement.
Our retirement planning advice enables you to understand not only how much you need to save, but also how long you need to work for in order to reach and maintain your desired retirement income.
So, whether you’re planning to travel the world, spend more time on your hobby, use the opportunity to volunteer with a local charity or start your own business – whatever your aim we’ll work in partnership to achieve it.
We’ll also take into account aspects such as:
- Good use of your personal annual allowance
- Navigating the complex tapered higher allowance for higher earners
- Extra pension contributions using pension carry forward
- Assessing your pension against the lifetime allowance tax charge
- Using other savings and investments - such as ISAs
- Ensuring your savings are held in high-quality investments
Our retirement planning advice enables you to understand not only how much you need to save, but also how long you need to work for in order to reach your desired retirement income.
We offer advice on…
- Individual Personal pensions
- Group Personal Pensions
- Flexi-access pensions
- Pension annuities
- Self invested personal pensions (SIPP’s)
- Workplace schemes
