Services

Pensions and Retirement

Maintain your lifestyle in retirement

We will work with you to plan for and then to maintain your lifestyle in retirement. We will advise you on pension selection, switches, transfers and bringing your pensions into a single plan. We will also make sure your plans are as tax efficient as they can be and select the correct products to achieve your goals (personal pensions/SIPPs, Annuities etc).

‘How much can I withdraw from my retirement portfolio, to avoid running out of money?’

Nobel Prize winner William Sharpe called this the ‘hardest and nastiest problem in finance’.

For clients saving for retirement or looking to draw on their pensions, we use sophisticated software to design your bespoke “pension policy” to ensure your required income, your savings and level of investment risk you are willing to take are in sync.

 

Some useful resources 

Multiple Pension Review

If you have multiple pensions, often as a result of changing jobs, we can review all these arrangements. We can also help trace ‘lost’ pensions. You will then receive a simple report outlining all the plans, their worth, the pension type, historical performance and the investments held.

We can then advise on how appropriate your investments are and the value of your various plans. Where beneficial, we will also consider bringing multiple pensions into a single plan.

Get clarity, gain confidence, and stay in control of your financial plan.

A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. Levels and bases of, and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.