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.