Pensions and Retirement
Pensions and Retirement Planning for a happy retirement
It’s never too early to start pensions and retirement planning, and the sooner you start to pay into a plan the more likely you are to achieve the income you want when you retire.
When it comes to pensions and retirement planning, many people are doing too little, too late and unfortunately the state pension won’t go very far on its own. Even putting away a small amount early on can make a big difference to life when you retire.
Planning ahead for retirement is one of the most important financial decisions you can make.
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The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.
Choosing the right pension products
There are a wide range of pension options available. As independent financial advisers we can access the entire market and recommend the best products for you.
We can help you work out how much you’ll need in retirement to achieve the lifestyle you want. If your circumstances change, we can then help you adapt your plan. Pensions also offer the benefits of creating some great tax breaks and you can even contribute to your plan when you are not working.
Pensions & Retirement Planning
We’ll look at the whole market to find the right pension plan for you. Here you can find out a bit more about the different types of pensions available.
We can help you make the right choices for your retirement
Personal pensions
The more you save, the better your pension should be at retirement.
Self-invested personal pensions or SIPPs
You choose what investments you want to put your savings into.
Stakeholder pensions
Flexible, portable – and you can even take them with you if you change jobs.
Workplace pensions & auto-enrolment
Where employers enrol their employees into a qualifying pension scheme.
Retirement: drawing your pension
Setting out your options for using your pension to provide a retirement income.
Pension income drawdown
Flexi-Access Drawdown & Capped Drawdown Options – you choose.
Retirement: lifetime annuities
Where your Pension is converted into an income for the rest of your life.
Why not give us a call or use the form below to see how we can help you plan your pension.
Your first meeting with our financial experts is completely free of charge.