What's your Retirement Plan? 

"11.9m people in the UK are failing to save enough for retirement but many only need make modest changes to safeguard their financial future". Quoted by Department for Work & Pensions & The RT Hon Steve Webb - 08/08/2014

Pre-Retirement Pensions 
 
Throughout our working life, we all aspire to the day we can retire, retirement savings & planning are essential to try and keep you on track to achieve the type of lifestyle you require at retirement. 
 
Due to the tax efficient nature, Pensions are commonly used for retirement planning, but when building a retirement plan, we will consider all your savings and assets, so we can build a retirement plan, specific to your circumstances. 
 
There are various types of pension plans and many people can accumulate various pension pots over their working life, we can assist with advice on pension consolidation and the creation of new pension plans. 
 
Pensions at Retirement 
 
Whether planning to partially retire, fully retire or would like to retire early, we can help ensure you make the right decisions, on how to take your income. 
 
Recent Pension Freedom, means you will now be able to access your pension funds from age 55, but drawing funds down too quickly, could result in you running out of money in retirement, not to mentioned the potential for large tax bills, if pension funds are drawn out all at once. 
 
We can provide advice on the best way to draw an income, planning for your long term income needs and that of your partner or children, offering advice on; 
 
Annuities 
Flexible Access Income Drawdown 
 
As part of our Wealth Management services, we can assist in building you a Bespoke Retirement Plan, whether your just starting out, or trying to make sense of your existing position, we will work with you, to establish the income you need and what you need to do to achieve your required goals. 
 
We offer an initial meeting at our cost, to complete an overview of your current position, and establish what work and research is required, detailing clearly costs involved if you want us to provide you with a recommendation, and go onto implement our advice, and become a client. 
 
On becoming a client, we will then keep track of your retirement plan, by managing your pensions or investments through regular contact and annual reviews. 
 
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. 
 
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. 

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