Pensions & Retirement Planning

Take control of your retirement…

Depending on what stage of life you are at, you may or may not have a pension or a retirement plan in place. But with the regularly reported statistics about how our aging population is living longer than ever before, and the declining ability for the state to take care of us in our older years, preparing for life after work is a necessity.

Early planning for your retirement can avert the likelihood of suffering major financial difficulties later in life. Although starting early is definitely advised, no matter what your current age or your financial circumstances, we can help you plan for your future.

During a financial health check, we’ll assess your circumstances, and talk through factors such as your age, job, current salary, any existing debt, if you own any property and any pensions or investments you may already have.

Other things to be factored in may be:

•    Health issues
•    Marital status
•    Inheritance
•    Family (children)

We’ll also discuss when you plan to retire and what you plan to do during your retirement – you may want to carry on working part-time, simply enjoy your well-deserved rest, or you may have dreams to fulfil, such as chartering a yacht around the world…

With all this detail, we’ll analyse your situation and give you an indication of what your retirement outlook is in financial terms, and how it might be improved.

There are many options available and it can be daunting trying to work out which will suit you best. No-one knows what the future holds, but making provisions as soon as you can will at least put you in a stronger position.

Taking pension benefits early:  Accessing pension benefits early is not suitable for everybody and is likely to reduce your income at retirement. It is important to carefully review your individual circumstances before making a decision.

For business owners, and those who have employees, we can help and advise on any questions you may have about auto-enrolment and other business protection.

If you would like to find out more about what we do, and how we can help you, please get in touch.

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