Do you want to travel extensively once you’ve finished working? Would you like to downsize your house and spend most of your days on the golf course? When would you like to retire? Can you see yourself needing to help out younger relatives financially? The answers to questions like these will determine how much money you will need for your retirement and, therefore, what sort of pensions and investments you will need to realise it.
Once you have worked out exactly what you want out of retirement, we can look at your current finances and situation to come up with a plan for how you can achieve it. Whether you already have pensions and investments in place or are starting from scratch, we can either help you optimise what you have or create a retirement plan and advise you on the most appropriate pension and/or other ways of saving and investing to help you have the money you need to get the retirement you want.
As with any kind of investment or planning for the future, the earlier you can start planning for and saving for your retirement, the better. This gives you the most options and you can always review your situation and make changes later if necessary. For people nearing retirement age, we can help you examine your options in regard to how you would like to draw your pension in a way that is tax efficient and most appropriate for your needs. If you have an employer pension, a personal pension or any other type of savings account or investments, we can help you make the most of them, add to them or change them to give you the best chance of having the retirement you want.
Risk Warning: A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Save in a tax efficient and flexible manner towards your pension.
Specialist self-employed pension advice to help get the most out of personal pensions.
Understand the requirements surrounding auto enrolment pension contributions.
Bespoke strategies for trustees through professional trustee advice, services and solutions.
Advice on flexi access pension drawdown options for you and your family.
Pension and lifetime annuity options to match your financial needs and goals.