Retirement planning for your next chapter

Retiring from work doesn’t have to mean making major changes to your lifestyle. By getting your pension in order and planning your retirement now, you could spend your work-free years as you always dreamed.

Our expert financial advisers are here to help you work towards achieving the retirement you deserve.

41% of over 55s with a pension are not on track to meet retirement goals*

50% of women in their late 50s currently have around half as much in pension savings as men*

51% of 35 – 54 year olds prioritise saving for retirement more than any other age group*

14% of 18 – 34 year olds admit that they don’t know how to save for their future*

A financial plan to help you map out your retirement goals

Retirement could be the perfect time to achieve your life goals. Having a plan in place to save and invest today could help your dreams become a reality tomorrow.

Retirement may seem a long way off, but it's never too early to plan your retirement and contribute to your pension pot. We’re living longer than ever before so retirement planning has never been so important.

A tailored financial plan could help you spend your retirement your way.

The value of investments and the income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment.

* Source: Schroders Personal Wealth Money and Mind Report, September 2020

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.

With you through retirement, every step of the way

Planning for retirement in your 20s

Building a nest egg for your retirement can be easier the younger you are – starting with what you can afford to put away.

Saving a little bit early rather than a lot later on means that it could be a more achievable way of reaching your goals. You could benefit by starting your pension savings sooner, through compound interest – it’s like growth on growth through reinvesting interest, rather than paying it out.

And there are tax benefits that can be enjoyed once you start saving for your retirement. For every £80 you put in your pension pot, the government provides £20 in tax relief.

Things to consider for your retirement plan:
  • You should also take advantage of your workplace pension too, if your employer offers one. By contributing whatever is needed to ensure that you receive the maximum employer contribution, if you can afford to do so, you could give your future retirement income the best possible start.

  • Remember to review your pension contribution as your salary increases so that you’re always saving in line with your income.

Tax treatment depends on individual circumstances and may be subject to change in the future.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan depend on a number of factors including the value of your plan when you decide to take your benefits which isn't guaranteed and can do down as well as up. The benefits of your plan could fall below the amount(s) pain in.

Our expert financial advisers can help you prepare for your retirement


Self-invested personal pensions (SIPPs) provide a flexible way to save for your retirement. We can recommend suitable investments for your pension savings and you also have a say over where money goes. Note that investments can fall as well as rise and you might not get back your initial investment.

Tax-efficient accounts

Pensions are not the only option when it comes to saving for retirement. You can also hold investments in ISAs or Onshore and Offshore Bonds. Both could provide a tax-efficient income and/or a lump sum when you retire.

General Investment Accounts (GIA)

GIAs offer a flexible savings option outside of your pension and ISA allowance. Investing in a GIA has the benefit of using your annual Capital Gains allowance (the amount of profit you can make before tax). You can also make regular withdrawals and contribute as much or as little as you like.

Do you want to enjoy more of life in retirement?

Retiring may give you more freedom and time to spend doing the things you love, but you’ll still need an income. Without a regular salary it can be hard to adapt to life in retirement whilst maintaining the standard of living you're used to.

Managing your retirement

What other people say about us

Understanding more about retirement planning: Wealth lens

Have I saved enough to retire?

It’s entirely reasonable to worry about whether you have enough to retire on but the earlier you think about these things, the better prepared you could be for your third age.

Tax efficient tactics for retirement income

Retirees must pay tax like everyone else but you should be aware of tax-free allowances and tax thresholds. Planning how you aim to generate your future income could help reduce your tax bill.

Frequently asked questions about retirement planning

Let's start with a free initial consultation

We'll begin with a free, no obligation conversation to understand if our service is right for you. There are no hidden fees or charges, and you’ll only pay if you choose to go ahead with the recommendations in your personalised financial plan.

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