Retirement Planning
Pensions and retirement planning can be very complex, especially if you have accumulated a number of different pensions throughout your working career. With the changes in pension rules over the years, some pensions have specific benefits attached to them, which will be very important to understand.

Some examples are; An income linked to your final salary, guarantees to either the capital value and / or the income a pension will create in retirement, spouses pensions (even when you are not married), you may even have an enhanced / protected tax-free cash value or have lifetime allowance issues.

Your pensions could be one of your largest assets and as such the cornerstone to your financial well-being. It is therefore vital to understand what you have and to ensure they are working towards your goals and objectives and are all aligned with your plans.

We will provide a fully comprehensive approach to pension planning looking at how your pensions are invested now and potentially through your full retirement, to the best ways to create income in the future and to mitigate tax liabilities, where possible. We will also review how these assets can be passed onto your chosen beneficiaries in the event of your passing.