Working with us will help you see the bigger picture. We will be able to take an objective view of your situation and offer valuable advice on planning your finances and using your pension pot to provide the retirement income you need.  

There’s a range of investment strategies that can be tailored to your individual needs, which means you can choose to preserve your capital, generate income or opt for a balance between the two.

You’ll want your plans to be flexible enough that they can be adapted to your needs as they change over the years, and we can advise on the right approach for your circumstances.

As we get older, many of us will face the challenge of providing care for ourselves or a loved one. Whilst medical care in the UK is free at the point of need; social care is means-tested. This means that your wealth will be considered when calculating what you have to pay towards your board and lodging. At present, anyone who has assets of over £23,250 has to pay the entire cost of their care.  

It makes sense to think in advance about how you would fund the expense if the time came. For many, the solution is to sell or rent out their home to pay the fees. However, there are other options available to you, and we can help you make the best choice for your circumstances.

You may want to start planning how you’ll pass wealth on to your family. We can advise you on the importance of making your will or revising an existing will, ensuring your wishes are carried out after your death. Taking advice and putting the right structures in place now can help ensure that your heirs receive more of your estate and pay less inheritance tax. A will isn’t the only piece of forward planning you should consider. A Lasting Power of Attorney enables you to choose the person or people you would like to be in charge of making decisions that affect your finances or health and welfare if you were no longer able to do so. We can explain how this could benefit you. 

The amount of state pension you will be entitled to will be dependent on your National Insurance contributions, whether you're on an old or new scheme and if you have made any additional contributions towards this. Getting advice early to help plan for your retirement is highly recommended to avoid any surprises later in life.

If you make contributions to a pension, or if your employer deducts your payments from your salary, you automatically receive 20 per cent tax relief from the UK government as an additional deposit into your pension pot.

If you are a higher or additional rate taxpayer, there are solutions that may be available to assist with further tax relief.  

Speak to us today to review your personal situation and what services and solutions we can provide.

If you save into a workplace scheme, your employer should match some or all of your contributions, providing a welcome boost to your pension.

We understand that many people would have a variety of pension pots that could have accumulated over the years; we can also review these to ensure you're on track for retirement.  

When you retire, you can normally withdraw 25 per cent of your savings in the form of a tax-free lump sum.

Arrange a review with one of our advisers to determine when you can do this and review your retirement plans.