Retirement Planning

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Expert retirement planning advice is invaluable for those who wish to ensure that they can live comfortably in their later years.

The pre-retirement phase is the time to consider whether you are saving enough to provide you and your dependants with enough income to maintain your lifestyle. We will help you review your existing pension provision and, if appropriate, direct you towards more tailored pension products such as self-invested personal pensions (SIPPs).

It is equally important to consider the post-retirement phase and to look at how you will convert your savings into a retirement income. This is an increasingly complex area, and getting the right guidance is crucial. Lifelong planning areas that we can help you to consider in the context of your individual circumstances include;

  • If or when to purchase an annuity (a guaranteed level of income for the rest of your life)
  • Whether to take a tax-free lump sum (and how much to take)
  • Whether to leave your pension assets invested and draw an income from them (income drawdown)
  • How your retirement fund fits in with other savings and sources of income.

If you’d like unbiased financial advice about lifelong planning for retirement, please get in touch with us to understand in more detail how we may be able to help you.

The tax treatment is based on personal circumstances and current legislation, which is subject to change.

The value of investments and any income from them can fall and you may get back less than you invested.

No investment is suitable in all cases and if you have any doubts as to an investment's suitability then you should contact us.

 

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