Your Retirement

A number of factors have come together to make Pension Planning both more complex but also more valuable than ever before. 

The number of people with simple, substantial and guaranteed Defined Benefits is declining.  Many people have worked in several jobs throughout their career meaning pensions saving can be hard to track down and understand.  Even with clarity on the value of pensions pots, decisions need to be taken on investments and how and when to withdraw those investments in retirement. 

At the same time, people's longevity is increasing, meaning that investments have to work harder and for longer than in the past.

Whatever your circumstances, we want to be able to help you to clearly understand your situation and then to put in place a strategy that both makes sense to you and maximizes the benefit to you during your retirement.  This may mean consolidating your investments, choosing suitable and cost effective funds and then determining a strategy to withdraw funds over time. 

If that wasn't enough, the pensions landscape is constantly evolving (an example being the upcoming inclusion of defined contribution pensions in Inheritance Tax calculations) so we can continue to monitor your situation and work with you to react accordingly.