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Pensions & Retirement Planning

It's never too early to start thinking about your pension and your post-retirement needs. 

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We understand that pension rules are more complex than ever with new legislation on pension flexibility and a wider range of options available at retirement.

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The need for personalised independent advice is crucial and our advisers have years of experience dealing with everything from simple personal pensions, stakeholder schemes and SIPPs/SSASs to final salary plans, public sector schemes and older policies with a range of complex benefits. 

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It may be beneficial to consolidate or transfer your existing pension plans to reduce ongoing charges, improve performance or gain access to a wider range of funds. Using sophisticated financial planning tools, we can thoroughly assess your options and provide a recommendation supported by high levels of research.

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The overall aim is to ensure that your pension will be able to achieve the benefits required to fund a comfortable retirement. It is important to plan ahead as your income needs will change over time, as demonstrated in the graph below:

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Releasing Tax-free cash

Making Pension Contributions

Arranging Income Drawdown

Nominating Beneficiaries

Lifetime Allowance / Annual Allowance

And many more

We can advise on matters such as...

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