Retirement

Retirement planning 

Saving for your retirement is one of the most important investments you make. However, there are so many options available that sometimes retirement planning can seem overwhelming.

We have a dedicated team of specialists who advise on all aspects of pension planning, from the investment of contributions to helping you understand your options on retirement.

Our retirement planning service offers:

• tailored advice on pension and other savings
• an evaluation of how you can meet your retirement income needs
• consideration of the retirement options available to you

Options at retirement

When you reach retirement it is important to ensure you have sound financial plans in place to help ensure that care is taken of your future income needs.

With life expectancy increasing all the time, retirement can represent a third or more of one's lifetime.  Thus any decision to take your benefits will have implications over a long period of time.

There are many options open to individuals when they take the benefits from their pension funds at retirement as follows:

deferral of taking pensions

annuity purchase - the secured option

• single or joint life
• level or escalating
• investment linked or fixed
• value protection
• tailored release of tax free cash

income drawdown - the unsecured option

• immediate release of tax free cash
• variable income levels
• protected death benefits
• short term annuities

alternatively secured pension

• the option at age 75

Guidance through the range of options will be key to you selecting the most appropriate one for you and your family.

Why choose us?

• we can guide you through your options at retirement
• we have a dedicated and experienced team
• we offer bespoke financial planning

Contact us

If you would like to find our more about how we can help you plan for your retirement please contact one of our advisers in your preferred office.