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RETIREMENT & PENSION PLANNING

Plan your retirement with confidence. From pension consolidation to drawdown, we’ll tailor a strategy that suits your life.

Retirement isn't just about reaching a number; it’s about creating the freedom to live life on your terms. We work with you to understand what your ideal retirement looks like, whether that’s more time with family, travelling, or simply having the confidence that your finances are secure.


Our retirement planning service ensures you have the income you need to sustain your lifestyle, the flexibility to adapt as life changes, and the peace of mind that your capital is protected. From maximising pension efficiencies to managing investments and drawing income tax-efficiently, we’ll help you build a plan that supports not just retirement, but the next exciting chapter of your life.

WHAT YOU'LL GET

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PENSION REVIEW & CONSOLIDATION

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LIFETIME ALLOWANCE & TAX MODELLING

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RETIREMENT INCOME STRATEGIES

(Drawdown, annuities, hybrid)

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SEQUENCE-OF-WITHDRAWAL MODELLING

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ONGOING REVIEWS AS YOUR LIFE / TAX RULES CHANGE

WHO'S IT FOR

  • People approaching retirement seeking clarity on income options
  • Those with multiple pension pots unsure what to do
  • Anyone wanting to feel confident in their retirement cash flow

FAQ'S

Frequently asked questions about Retirement and Pension Planning...

  • 1. Should I consolidate my pensions?

    Often yes, to reduce complexity and fees, but only if benefits (guarantees, protected growth) aren’t lost in the move. We’ll analyse each pot to decide what makes sense for you.

  • 2. What’s the difference between drawdown and an annuity?

    Drawdown keeps your pot invested while withdrawing income; an annuity guarantees income for life (or term) but usually at fixed rates. Each has trade-offs we’ll walk through together.

  • 3. How much income can I safely take?

    It depends on your total assets, life expectancy, taxation, and desired risk. Our cashflow modelling helps define a sustainable rate specific to your needs.

  • 4. Can I still grow my pension during retirement?

    Yes, in drawdown the remaining capital stays invested (less withdrawals). We’ll show you how much “growth buffer” is appropriate given your goals.

  • 5. What about state pension and other income?

    We’ll factor in your state pension and any other income (rental, dividends) into the full plan to avoid tax surprises or shortfalls.

“Good advice isn’t a one-off conversation - it’s an ongoing relationship.”