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RETIREMENT PLANNING

Its never too early to start planning

There are many different ‘tools’ used to save for retirement, and the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. 

There are now a vast array of different products that may be used at retirement to provide retirement benefits, from the traditional form of annuity that provides a regular income stream to Flexi-access Drawdown which enables lump sums of benefits to be taken either as a one-off payment or over a given number of years. Given the complexity and choice all individuals now have, it is important to seek independent financial advice before making any decisions.

State Pensions may not produce the same level of income that you will have been accustomed to whilst working. It’s important to start thinking early about how best to build up an additional retirement fund.


You’re never too young to start a pension – the longer you delay, the more you will have to pay in to build up a decent fund in later life.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.

Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore, the tax treatment of pension benefits can and may change in the future.