26 Lowther Street, Carlisle, CA3 8DA

Retirement Planning


Everyone hopes for a comfortable lifestyle when they’re no longer working and achieving this is more likely if you take specialist retirement planning advice. It’s never too early to start planning for your retirement, and the sooner you start, the better your chances of having a pension pot that will meet your goals.

Stan Sherlock Associates

Retirement Planning

Retirement or pension planning, in its simplest form, means having a pension savings fund or plan which you regularly pay into. A pension plan enables you to save in a tax efficient way but there are complex rules and regulations surrounding pensions and saving for retirement and it’s important to get sound, practical advice. At Stan Sherlock Associates, Carlisle, our specialist financial advisers will work with you to start the pension planning process or assess whether your current pension plans will deliver the results you need.


Your personal retirement plan

Our financial advisers will help you to identify how much you’ll need to save for your retirement, assess what existing pension funds or provision you already have, and discuss a range of options for pension plans or other saving and investment opportunities to further boost your retirement income.

Our approach to financial planning for retirement is to take the time to find your personal solution. We’ll recommend a pension plan or savings and investment plan only after understanding your personal goals, ever-changing circumstances, attitude to risk and budget. Options are available whatever your current age, income level or circumstances.

We can investigate the different retirement or pensions savings plans options and benefits for you whether you are employed, self-employed or a contractor or a company director or other business owner.

Advice for later life

If you’re approaching your planned retirement date, there are now greater freedoms attached to how and when you can access your retirement fund. You may choose to buy an annuity which provides a future income, draw down a lump sum or a combination of both. 

It’s vital to seek professional advice before accessing your pension pot to protect your future retirement income. Our advisers will ensure you’re fully aware of the benefits and pitfalls of any decision, including the tax implications and associated fees and charges, while helping you to get the retirement lifestyle you seek.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Why Work With Us?

At Stan Sherlock Associates, our expert advisers want to build a strong, long term relationship with you, paying careful attention to your changing needs and circumstances, and provide you with a financial advice service throughout your lifetime.

Although based in Carlisle, our clients come from much further afield. We work with clients from across Cumbria (including Kendal, Keswick, Penrith, Whitehaven and everywhere in between), the Scottish Borders, and North East England. Many of our advice services can be provided by phone and email but our advisers are always happy to meet you face to face.

Financial Planning

Want to speak to one of our financial advisers about retirement planning?