approaching retirement.

harmonise your pensions and savings for a relaxing retirement

align your money with your aspirations

Retirement is a time to enjoy and celebrate, not a time to stress about money. However, for many, the intricacies of pensions and a reduced income can cause worries.

Nobody wants to make the wrong decisions, especially when they could significantly impact your financial future and involve your life savings. We provide you with the reassurance that you are looking for and will tell you whether you can afford to retire and if you have enough money to sustain your retirement.

You may have accumulated pots of money that you intend to use for your retirement outside of your pensions. If this is the case, then you could be wondering how they fit together and which pot to use first. We can help you with these decisions and ensure that you are being as tax-efficient as possible.

expert advice

this is how we provide solutions to your problems

Our number one goal is for you to live a comfortable and fulfilling retirement. We will also get to understand your aspirations for retirement; for example, you might still have experiences that you want to tick off your bucket list.

From here, we can build your financial plan. After all, a well-constructed retirement plan can provide you with more income so that you can enjoy the retirement lifestyle that you’ve worked hard for.

Income planning

You will have an income need that will not go up and down as investment markets do. Therefore, you will want to know that you can continue to receive a stable, regular income. We will recommend a retirement income strategy that considers your income needs and shows you how long your money is expected to last under different market conditions.

Guidance on pensions

Pensions are tax-efficient but unfortunately, they are also complicated. They also come with several options, and different pensions can have different options. There’s no need to worry though, as we can answer your questions. While pensions can be a minefield, we will keep our recommendations simple to understand and cut through the jargon.

Maximising your income

Smart tax planning makes your money last longer. If you are paying unnecessary tax through a poorly constructed retirement plan, then you are missing out on a better retirement. We will build a bespoke retirement plan that can provide you with more income.

frequently asked questions

Can you help my family to prosper?

Sometimes, family members encounter challenges that you’d like to help them with, for example, a property purchase. We can support you through these decisions, help you understand the impact of your support on your financial future and make sure that you provide support tax-efficiently.

How do you manage risk and reward?

We will analyse your risk profile and investment objectives to strike a balance between not taking unnecessary risks and not missing out on returns by ensuring that you hold a diversified portfolio. We will also highlight any risks that you may be taking that you are not aware of.

How can I protect my assets?

You want to ensure that if anything happens to you, as much of your wealth as possible passes to your loved ones so they are taken care of. We take the time to understand your wishes and the needs of your loved ones. We will make sure that your pensions and investments are capable of being passed on to your beneficiaries, rather than dying with you.

How can I benefit from your size and scale?

We are part of the Quilter Financial Planning Network and use their buying power to reduce the costs that you incur from recommended providers to give you great value solutions. Through the network, we also have access to exclusive solutions with benefits you won’t find anywhere else. Quilter Financial Planning’s targeted in-house market research and analysis allow us to reduce costs and give you the best possible value when determining our fees.

What is drawdown?

Drawdown is a way of taking your pension income when you retire. You leave your money invested and can take a regular income or take amounts as and when needed. Therefore, it can give you more flexibility in how you access your pension savings. However, there is the risk that your money could run out if your pension is not managed wisely.

What is an annuity?

An annuity is a guaranteed income. This can either be for the rest of your lifetime or a fixed term. It can be appropriate for someone who has a low tolerance for risk, as you have certainty over your income. Seeking advice is important to make sure you make the right choices.

How do I know if drawdown or an annuity is right for me?

There is no one answer for everyone here. It very much depends on your financial and personal circumstances and your tolerance for risk. Seeking advice is important to make sure you make the right choices.

How can I benefit from your advice?

Paying unnecessary tax means that you must take more money out of your pension fund to pay the tax, or you need to accept a lower income. By being tax-efficient, we can minimise the amount of tax you must pay, leaving more money in your pension funds that can grow over time.

Don’t just take our word for it.

As I approached retirement, I became concerned about my pension plan, so I was introduced to David. My concerns were relieved at our first meeting and there were no questions David couldn’t answer. His recommendations created a successful outcome for me.

Alan, Actively retired

Following David’s advice, I’ve been able to retire at 56 years old and have a guaranteed income until I’m 67, which matches my wage. I couldn’t have done this without David. He makes you feel comfortable; there’s no pressure applied and he’s available for advice if needed.

Debra, Actively retired

David was very thorough and went through every fine detail regarding my private pension. He gave me lots of guidance and different options. David always went out of his way to help me and is extremely knowledgeable.

Jennifer, Actively retired

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Ready to take your retirement plan to the next level?

We love meeting new people and learning about you. If you are interested in finding out more, please schedule an introductory meeting with us by clicking on the button below. We do not charge for an introductory meeting, and we can both use this meeting to assess whether we are the right fit for one another.

The Financial Conduct Authority does not regulate tax planning.
Tax treatment varies according to individual circumstances and is subject to change.
The value of pensions and investments, and the income they produce, can fall as well as rise. You may get back less than you invested.

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When deciding the fees we charge for advice we want to be sure you receive value for money and that the solutions we recommend are likely to deliver your objectives.