Pre Retirement and at Retirement Planning

We make sense out of pensions and financial planning for you and your family’s future.

UK pensions are unnecessarily complicated with layer and layer of legislation which often confuses the layperson.

In essence pensions are a savings plan with tax incentives. We make it simple to understand, structure, and tie it in with your other assets for the complete picture.

The importance of making sense of your pensions is to ensure you have enough in the future when you choose to work less and or stop work.

The closer to retirement you leave it the less time you have to ensure you have enough.

At retirement the options are numerous, we help clients to structure their retirement income in the most tax efficient way  to ensure that you get the most out of your retirement financially and in enjoyment terms.

Bill has been our Financial Adviser for over 25 years and has been with us when arranging family protection for our young family to recently helping us through the compexities of pension transfers and early retirement.

Throughout this time our discussions with Bill have been extremely professional and personalised to our circumstances.  This was clear when our discussions allowed me to retire early and Bill did not just use the data provided, but highlighted the benefits whilst clearly explaining the risks we were taking on, in plain English.

Following this advice over the past years I have indeed achieved my goal of an early, comfortable and financially assured retirement.

Jim Currie

Falkirk, Central Scotland

How we help

  • We track down pensions from previous employments, evaluate the retirement benefits including state pensions and provide a clear idea of future income, and explain it in plain English.
  • We use Cash flow forecasting, this shows likely outcomes giving a clear picture of you current position and your future position.
  • We help and advise you on choosing appropriate investments within and without your pension to achieve your goals.
  • When it is time to retire or access the pension benefits we explain the various options in plain English. Help you achieve the required income in the most tax efficient manner and with cash flow forecasting help you plan your spending ensuring you achieve your goals without running out of money.
  • Pensions have death benefits, we help you to structure them in a tax efficient way and ensure that the benefit goes to who you want.

Get in touch to arrange a no obligation meeting

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The value of your investment can go down as well as up and you may not get back the full amount invested.