Retirement Planning
Retirement planning is about more than pensions alone. We take a broader view, combining pensions, investments and property where appropriate to build a retirement strategy around your goals, lifestyle and long-term financial security.
Pre-retirement Planning
The years leading up to retirement are key to building the future you want. We can help you understand how much income you may need, review your existing arrangements and identify the most suitable way to grow your retirement savings. We can advise on:
- Stakeholder Pensions, Personal Pensions and Self-Invested Personal Pensions (SIPPs)
- Reviewing existing pensions, including transfers and consolidation where appropriate
- Other suitable ways to build your retirement funds
At-retirement Planning
As you approach retirement, making the right decisions about how to use your pension savings becomes increasingly important. We can help you understand your options and create an income strategy that supports your plans with confidence. We can advise on:
- Income drawdown and phased drawdown
- Flexible drawdown
- Lifetime annuities, including enhanced and impaired-life annuities
Post-retirement Planning
Retirement planning continues long after you stop working. The right approach can help you make the most of your assets, maintain financial security and protect your wealth for future generations. We can advise on:
- Investments
- Long-term care planning
- Equity release
- Inheritance Tax and succession planning
- Wealth preservation
Important information
Equity release includes lifetime mortgages and home reversion plans. To understand the features and risks, ask for a personalised illustration.
Please note that the value of pensions can fall as well as rise, and you may get back less than you invested.
