Pensions and retirement

Retirement should be a time of freedom, not uncertainty. Whether you’re approaching retirement or already there, we’ll work with you to ensure your savings provide the lifestyle you want for the years ahead.

Pensions and retirement advice

Planning for retirement is one of the most important financial decisions you’ll ever make. We help you understand your options, build a clear plan, and take control of your financial future with confidence.

Whether you’re just starting out, in the middle of your career, or approaching retirement, our advice ensures you make the most of the opportunities available and avoid costly mistakes.

We help you to:

  • Understand if you have “enough” to retire with confidence.

  • Consolidate pensions where appropriate.

  • Create tax-efficient withdrawal strategies.

  • Balance enjoying life now with leaving a legacy later.

Using careful modelling and personalised strategies, we’ll give you clarity on when you can retire, how much you can spend, and how to make your money last.

Why retirement planning matters

Retirement is often not just one fixed point in time. For many people it’s a journey that may include reducing work gradually, changing lifestyle priorities, or supporting family along the way. Without proper planning, there’s a risk of:

  • Running out of money too soon

  • Paying more tax than necessary

  • Missing out on valuable allowances and benefits

  • Being forced into unwanted compromises in lifestyle

Our job is to help you achieve financial freedom and peace of mind.

Our approach

Understanding your goals

We start by exploring what retirement means to you. Do you want to stop working completely, phase into part-time work, or use retirement to pursue new passions? Understanding your vision helps us shape your plan.

Assessing your current position

We review your existing pensions, investments, and other income sources. This includes workplace schemes, personal pensions, SIPPs, ISAs, property, and potential state pension benefits.

Building a strategy

We create a personalised retirement plan that may include:

  • Consolidating pensions for clarity and efficiency

  • Tax-efficient drawdown strategies

  • Balancing income needs with long-term sustainability

  • Protecting against inflation and longevity risk

Ongoing review

Retirement isn’t static - life events, markets, and legislation all change over time. We’ll regularly review your plan and adapt it to keep you on track.

Areas we cover

  • Pension consolidation: Simplify multiple schemes into a coherent plan

  • Drawdown vs. annuities: Understanding your income options

  • Tax-efficient withdrawals: Making the most of allowances and reducing unnecessary tax

  • Cashflow modelling: Projecting your future income and expenditure to ensure your retirement plan is sustainable

  • Passing on wealth: Planning lifetime gifts and inheritance effectively.

  • Investment strategy: Balancing growth and stability to support your income needs

The benefits of working with us

  • Clarity on how much you’ll need and whether you’re on track

  • A strategy to access your pensions and investments in the most tax-efficient way

  • Confidence that your money can last throughout retirement

  • Peace of mind knowing you and your loved ones are looked after

Take control of your retirement — build a clear plan for the future you deserve.