Are you retirement ready?

Pensions may seem complicated, but they're simply a tax-efficient way to save for your future.

Whatever plans you have for retirement, the earlier you begin saving the better, but it’s never too late to start.

Let us help you to become retirement ready.

Speak to your adviser or get in touch for your free consultation.

63% of people have two or more pensions*

56% of people have considered consolidating their pensions*

31% of people will save more for their future as a result of the pandemic*

58% of people are likely to turn to a financial adviser for pension advice*

Do you know how much pension you need to live the life you want in retirement?

If the answer is no, then you're not alone. Our research has highlighted that little over a quarter of Britons are on track to reach their financial and lifestyle goals in retirement.

Our aim is to help you gain a genuine understanding of how you want to live in retirement, an awareness of how much you've already saved, and the confidence of knowing that you're on track. If there is a concern that you're no on track, then the earlier you know, the longer you have to do something about it.

With people living longer, investing time into planning your retirement could be more valuable than ever. By reviewing your pensions, our advisers can help to give you the confidence that when the time is right, you'll receive an adequate income that lasts a lifetime.

* SPW Pension Research, August 2021

Do you want to know the best kept secret for planning for your retirement?

The answer is simple – Pension consolidation.

Throughout your working life you may have a number of jobs leaving you with different pension plans to manage. This can make your pensions difficult to track with potentially higher costs, funds you no longer want to be invested in or poorer performance.

Consolidating your pension could also help you answer these three important questions:

1. How much do I need to retire?

2. What have I already got in my pension pot?

3. Am I on track to have what I need when I’m ready to retire?

Our advisers could help you bring your pensions together giving you a greater overview of everything you have saved, potentially reduced charges, and less paperwork.

Confused about pensions? Discover more about your retirement options

Saving for your retirement

The great thing about a personal pension is the freedom of choice it can provide. Preparing for the future isn't just about saving for your retirement. It's about building up a pot of money that gives you flexibility and options later in life.

More about saving for your retirement

The tax benefits of a pension

Pension savings is one of the most tax-efficient ways of affording that dream retirement. Not only are your contributions free of income tax, but while you remain invested, any growth within the portfolio is free from income and capital tax gains.

More about pension tax benefits

Bringing pension pots together

It’s essential we review our pension savings regularly. For most of us, our pension is our second-biggest asset after our homes and making the most of our pension savings could have a significant impact on our happiness in retirement.

More about pension consolidation

Understand how you can prepare for your next chapter

Have I saved enough to retire?

It’s entirely reasonable to worry about whether you have enough to retire on. There are many unpredictable factors like longevity, investment returns, inflation and your future health needs to consider. The earlier you think about these things, the better prepared you could be for your third age.

How far could a £250,000 pension pot go?

The usefulness of £250,000 will depend on how much you will need and how long for. Professional guidance and advice are there to help you make the right decisions about your retirement income.