Retirement Planning

Saving for your retirement…

One day you will need to use the wealth you have accumulated to provide an income in retirement.

Although not the only means of savings for retirement, pensions do provide one of the most tax efficient methods. Other arrangements including inheritances, buy to let property and ISA holdings should also be reviewed and we will be happy to assist you in these areas at the same time.

We offer a full retirement planning service from setting up your first pension, to managing and simplifying existing pension arrangements through to post-retirement choices and cash-flow modelling.

We can offer advice on whether you are on track to achieving your retirement income goals and if not, help you plan strategies to get things back on track.
Even if you have recently looked at your pension provision, it is vital to do this regularly since legislation changes almost on a yearly basis. Many of these changes will affect you so a review would give you important peace of mind.

When you take out an investment product your capital is at risk and the value of your investments can go down as well as up, so you could get back less than you invested. The tax treatment depends on the individual circumstances of each client and may be subject to change in future.