Our Services

You are going to need an income for your cost of living when you stop earning. You should note that it is more difficult to take a drop in income than having a pay rise!

Retirement Planning has changed drastically over the years:  Pension plans, ISAs, GIAs, Investment Bonds, buy to let properties, annuities, etc., are often used to plan for lump sum and income needs. 

Pension Plans:  Normally, contributions into conventional ‘pension’ plans receive tax relief and whilst held, they benefit from little or no tax. These funds will be subject to income tax when they are drawn; although there is usually an allowance of tax free cash to be taken.

Focused planning is needed so that you:

• Consider the relevance to your circumstances
• Do not ‘overfund’ your schemes with respect to the pension ‘lifetime allowance’ and ‘contribution allowance’
• Can consider the level of risk suitable for your plans (whether you consider drawdown or annuities) because of investment volatility or inaccessibility 
• Can be sure that in the event of death, you do not leave your assets to an unintended beneficiary.

Help is needed with retirement planning before retirement and also after you retire. As they have testified, we’ve been successfully helping people with ‘retirement’ planning over the last three decades.