In retirement planning

Our advisers can help you use the right blend of secure and flexible income to fund your retirement and leave a legacy for your loved ones.

Planning doesn’t stop when retirement starts

Without expert advice in retirement, it can be difficult to know how much you can spend and when. Recent inflation rates are also a source of worry as inflation erodes the value of your money. Few people like the thought of being forced to return to work!

Our advisers can review your various sources of income and assets to identify the combinations that deliver maximum benefit and tax-efficiency. When combined with effective later life planning and estate planning, this will give you confidence to enjoy your wealth. You may even be able to give some money away, safe in the knowledge that it won’t run out.

We can also review your pensions to check that they’re performing as they should. And we’ll check the risk levels of your investments to make sure they’re right for you.

Identify income sources
These might come from personal or company pensions, your State Pension, or other investments such as ISAs or property.
Plan expenditure
Using cashflow planning tools, we can map out how your income and outgoings are likely to affect your spending, including later life care.
Leave a legacy
With effective estate planning, we can help you to pass on wealth without compromising the quality of your retirement years.

Our other services

Pension planning

Pension planning is fundamentally about retirement planning. Our expert financial advisers can help ensure that your pension will provide you with the income you’ll need in retirement.
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Investment planning

Our investment expertise is central to our financial advice offering. We fully appreciate the significance of what you entrust us to do with your wealth and we never take that for granted.
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Inheritance Tax and estate planning

Our advisers can help you navigate the UK’s complicated and changing tax regulations, so that those who benefit from an inheritance will only pay the necessary amount of tax.
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Protection and insurance

We insure our cars, homes, holidays, and even our pets! Our advisers can help you find the right type of insurance to protect your family should the worst happen.
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Tax optimisation

Tax rules in the UK are amongst the trickiest in the world. They are very complicated and change often. Our advisers can make sure you only pay the necessary amount of tax due.
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Later life and long-term care planning

Caring for older loved ones or needing care yourself can be complicated and emotionally challenging. We can guide you on the best possible route for later life and long-term care.
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Annuity Bureau

An annuity enables you to exchange some or all your pension pot for an annual income. This is guaranteed for a certain period, often the rest of your life.
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Are you retirement ready?