How we can help you plan for retirement

We understand that you want to enjoy a comfortable retirement after a lifetime of hard work. We are committed to helping you achieve your retirement goals.

The importance of early planning

The sooner you start planning for retirement, the better. This is because your money has more time to grow through compound interest. Compound interest is when your earnings start earning interest on themselves, which can lead to significant growth over time.

Avoiding under-performing pensions

Under-performing pensions and poor management can seriously erode the value of your final pension pot. We can help you avoid these pitfalls by providing you with expert advice and guidance. We will work with you to create a personalised retirement plan that takes into account your individual circumstances and goals.

Your Existing Pensions

How to locate your old pensions

The first step to getting pension advice is to locate all of your old pensions. If you have forgotten the details of your old pensions, you can start by contacting the government’s Pension Tracing Service. They can help you locate any pensions you may have joined, totally free of charge.

To use the Pension Tracing Service, you will need to provide some basic information, such as your name, date of birth, and National Insurance number. Once you have provided this information, the Pension Tracing Service will do their best to locate your old pensions.

Once you have located all of your old pensions, you can then contact the pension providers to gather information about your pensions, such as the value of your pensions, the investment options available, and the fees charged. This information will be helpful to your financial advisor when they are developing a pension plan for you.

Pension reviews

We can help you review your existing pensions and identify any areas where you may be able to reduce your charges and improve your investment performance. We will contact your previous pension provider to obtain a full breakdown of your pension plan, including your investment portfolio, performance history, and charges.

We understand that even the best performing pension funds can be eroded by high charges, commissions, and fees. We will work with you to identify any areas where you may be able to reduce your charges and improve your investment performance.

We are here to help

If you need help locating your old pensions or reviewing your existing pensions, please contact us. We would be happy to assist you.

Benefits of Advice

How we can help you invest for your future

We use cutting-edge software to run complex simulations that forecast how your money is likely to grow over time. This allows us to see how different investment options could affect your financial future. We then compare your current investments to the broader market to help you understand your options.

A personalised investment strategy

We can help you develop a personalised investment strategy that takes into account your individual circumstances and goals. We will consider your age, risk tolerance, and financial goals when creating a plan that is right for you. We can also help you stay on track and make adjustments to your portfolio as needed.

Taking Income in Retirement

The best way to take your income in retirement is unique to you.

The options can be overwhelming and confusing. There are so many factors to consider, such as your age, health, financial goals, and risk tolerance.

Here are some of the questions you may need to ask yourself:

  • Should I take my tax-free cash?
  • Do I need to buy an annuity?
  • Do I need a spouse’s income?
  • What guarantees do I require?
  • Have I explored income drawdown?
  • If so, do I require phased or flexible drawdown?

The answers to these questions will vary depending on your individual circumstances.

That’s why it’s important to speak with a financial advisor who can help you understand your options and develop a retirement income plan that is right for you.

We offer friendly, professional advice that is jargon-free and tailored to your individual needs.

We will take the time to understand your circumstances and goals, and then we will work with you to develop a retirement income plan that will help you achieve your financial security.

Contact us today to learn more about how we can help you.