Retirement Planning

The value of pensions and investments can fall as well as rise. You may get back less than you invested.
Retirement planning is not just about pensions. This is just one type of product that can be used as a pension vehicle. Planning for retirement involves investment in property, ISA’s, cash savings, and pension funds.

Whether you are just about to retire, just starting out in your career or in the middle of saving for your later life, you need access to a pension specialist. The complicated retirement savings market, with its different types of pension products coupled with thousands of funds to choose from, ensures you have many difficult decisions to make. The decisions are made easier by a specialist who will assess your needs, your affordability and your attitude to risk before making a recommendation on which plan, fund and contribution level is right for you.

Pension freedom legislation which commenced on 6th April 2015 made timing and planning more appealing, by changing the way in which you savers can access their funding. This significant change heralded a new era of pension saving and emphasised how important it is to save for later life.

We will provide focus on the retirement income you need to have a comfortable and enjoyable later life. This includes retirement forecasting using all of the investment methods noted above, and taking the time each year to ensure you are on track to reach your goals. We also assess whether each product remains suitable to you as well as managing the risk exposure as you draw near to the magic retirement date.

Should you wish to know more contact us and we’ll be able to help by working together to find the best solution for you.