Retirement & Pension Planning
Planning for retirement is about more than just pensions—it's about building the future you’ve always envisioned. Whether that means travelling the world, supporting your family, or simply enjoying peace of mind, a well-structured financial plan can help turn your dreams into reality.
What Is Retirement Planning?
Retirement planning involves making informed decisions today to ensure you have enough income to support the lifestyle you want in the future. This includes understanding your pensions, savings, investments, and other income sources, and ensuring they work together efficiently and sustainably over the long term.
A successful retirement plan looks at:
How much you’ll need to live the life you want
When you want to retire and how long your money needs to last
How to draw income tax-efficiently
Planning for unexpected events or health changes later in life
How I Help as an Independent Financial Adviser
As an Independent Financial Adviser, my role is to guide you through every step of the retirement journey. I provide expert, personalised advice that helps you build, protect, and enjoy your retirement income.
1. Understanding Your Goals
We start by talking about your vision for retirement—when you'd like to retire, how you want to spend your time, and what matters most to you. This helps create a financial plan built around your lifestyle goals.
2. Reviewing Your Current Position
I’ll assess your pensions, savings, investments, and any other assets to understand your current retirement outlook. This includes analysing workplace pensions, personal pensions, SIPPs, and any legacy arrangements you may have.
3. Building a Retirement Strategy
Using cashflow planning tools and financial modelling, I create a plan that shows how your income could unfold over time. This helps you understand whether you’re on track or if changes need to be made to meet your goals.
4. Maximising Tax Efficiency
I advise on how to draw your retirement income in the most tax-efficient way—balancing pensions, ISAs, and other investments to help reduce unnecessary tax and make your money go further.
5. Managing Risk and Investment Strategy
As retirement approaches, your investment approach may need to shift. I help you find the right balance between growth and security, ensuring your money continues to work for you while protecting against unnecessary risk.
6. Ongoing Support
Retirement isn’t a one-time event—it’s a journey. I offer regular reviews to keep your plan aligned with your goals, respond to changes in legislation or personal circumstances, and give you the reassurance that your future remains on track.
A Retirement Plan That’s Personal to You
Everyone’s retirement journey is different. Whether you’re approaching retirement, just starting to think ahead, or already retired and looking to manage your income, I provide clear, independent advice to help you make informed decisions with confidence.
* A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
*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.
*Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax.
* Taxation is not regulated by the Financial Conduct Authority.
