Pensions and Retirement Planning

It is never too early to begin to consider retirement planning. However, once you reach the stage of considering your retirement income, expert financial advice becomes even more important. The choices you make at this time will affect your lifestyle, so you need to make sure they are right.

Pensions can be an effective form of tax planning, based on current rules, achieving tax free growth and a tax free lump sum. Dependent upon your circumstances, you may be able to reduce immediate income tax bills or pass on the value of your pension fund to the next generation.

It is essential that you review your pension situation regularly. We can advise you on taking steps to maximise the income your pension pot will be able to achieve when you retire.

We can guide you through this and other key life decisions and advise you on tax-efficiency, making certain that you are saving enough into your pension, enabling you to enjoy the retirement you deserve.

Options are varied and will be tailored to your circumstances.




Advice on taking benefits from pension schemes

We are experienced in providing advice on the many options available when taking benefits from pension schemes, including:

  • Pension Fund Withdrawal (Flexi-access Drawdown)
  • Phased Retirement
  • Pension Lump Sum Investment/Portfolio Planning
  • Capped Drawdown Review
  • Annuity Purchase
  • Impaired Life/Enhanced/Smoker Rate Annuities
  • Investment Linked Annuities

Decisions made today impact on your retirement income and lifestyle, so it's important to get the best advice.
That's where we can help.




The value of your investment or pension can fall as well as rise and you may not get back the original amount invested.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

The levels, bases and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to future change.

The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning.





Managing Investments

Income is a priority. I want to make sure my investments are generating as much as possible. I need my investments and income to keep up with inflation in both the short and long term.

Inheritance Tax Mitigation

It's important to make sure you aren't paying more tax than you need to. Taxation can be very complicated and the rules, reliefs and allowances often change. This is where we can advise you.

Pensions and Retirement

I need some good mortgage advice when considering which mortgage is best for me. I would like someone to explain the various interest rate options that are most likely to suit my needs.

Family Protection

I would like to secure my family's financial future and pass on any of my remaining wealth. I need help with protecting my assets whilst still leaving provision for a comfortable retirement.