People planning for retirement.
A retirement plan ensures you can enjoy stress-free years ahead
Approaching retirement
We reassure you and help you make the right decisions when it comes to accessing your pension, and clearly explain your options.
In retirement
Enjoy the peace of mind that comes from your years of hard work and planning, while making the most of your assets.
Leaving an inheritance
We understand that family comes first, so we’ll help you make the right decision to ensure as much wealth can be passed to your beneficiaries.
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.
news & insights
drop us a line
You can read a copy of our Privacy Notice by clicking here.
kind wealth
adds value
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.