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Some of us have a clear idea of what we would like to do in retirement; travel, take up a new hobby, help look after grandchildren or start your own business. It's often harder to figure how we get there and understanding the many important decisions that need to be made.

Do you know how much income you'll need in retirement or at what age you'll retire?

Knowing what type of retirement lifestyle, you can achieve or knowing when you can retire doesn't need to be a mystery. We can help you on how to best save for your retirement income, whether your plan is to; maximise your contributions, use your available allowance or work toward a retirement date, we can advise you every step of the way.

There are usually significant decisions that you must take when approaching retirement, having one of our expert financial advisers advise you and map out the journey will give you the peace of mind that your core goals and ambitions at retirement are met.

Do you know when you can afford to retire and how much you are likely to need?

Our independent financial advisers are specialists in pension and retirement planning and they can help you to:

  • Ensure that your current contributions are on target to reach your goals
  • Calculate when and how much money you will need in retirement
  • Review your existing investments held within your pensions to make sure they are achieving the growth you require at the appropriate level of investment risk for you
  • Using your annual allowance, and navigating the complex tapered annual allowance for higher earners
  • Making extra pension contributions using pension carry forward
  • Assessing your pension against the lifetime allowance tax charge

A one size fits all approach doesn't work, your needs and objectives are individual to you. We believe what might be right for one person, won't necessarily be right for another. It is important that your circumstances, goals and options are assessed in detail before a decision is made. We work with you to build a plan.

Defined Benefit

Some are lucky to have these types of pensions called defined benefit or DB pensions, however when it comes to making decisions on what to do with your DB pension it can be extremely complex.

Many people want the certainty that a DB pension provides and want to stay with the existing scheme and not transfer. As it will give them the guarantee that their pension will last as long as they do. If you are considering whether to remain in or transfer out of a DB pension arrangement please contact us for specialist advice on this area.

This video has been produced by the FCA and explains what the process looks like when someone is considering Defined Benefit transfer advice.

Continually reviewing your plan

Plans change, new opportunities arise and what you are doing at age 45- 50 could be completely different to when you reach 70 – they usually do! Throughout our relationship we will meet with you regularly to make sure your pensions and financial lifestyle plan will continue to meet your needs.

Book your free consultation

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