Pre-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 work-free years now, you could look forward to enjoying the retirement you've always dreamed of.

Our specialist financial advisers can help you prepare for your retirement


Self-Invested Personal Pensions (SIPPs) provide a tax-efficient, flexible way to save for your retirement. We will work with you to identify the right savings structure for your pension. We will also consider suitable types of investments, in the right proportions, that could produce the most appropriate level of long-term return for your preferred level of risk.

Other tax efficient accounts

Pensions are not the only option when it comes to saving for retirement. You could consider investing in Individual Savings Accounts (ISAs) or onshore and offshore bonds; all of which could provide a tax-efficient income and/or a lump sum when you retire. Tax treatment depends on the individual circumstances and may be subject to change in the future which your adviser will explain.

General Investment Accounts (GIA)

GIAs offer an alternative and flexible savings option to your pension and ISA allowance. There is no limit to how much you can invest or withdraw which makes it a useful option for those who have used up their pension and ISA allowances and have more to invest. There are a variety of investment opportunities available and you can invest a regular monthly amount, a lump sum – or both.

Remember, 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) paid in.

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 how long you're going to live, 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 retirement.

Do you know?

The personal pension rules

Pensions are a useful tool to help you build up your savings in preparation for your retirement. But do you understand the rules and regulations of your personal pension and what your rights are?

Your pension annual allowance

When you save into a pension, the government rewards you in the form of tax relief. But there is a limit on the amount you can earn tax relief on known as the pensions annual allowance.

If you're entitled to a full state pension

To qualify for the full state pension, you generally need to have made 35 full years of national insurance contributions. The deadline to make voluntary contributions for 2006-2016 tax years is now April 2025.

How we'll work with you

It may seem a long way off, but planning for your retirement now could help you look forward to your future, rather than worrying about it. Our specialist advisers will get to know you so that a personalised financial plan can be created aiming to help you achieve your financial goals and make the most of your money.

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. Whatever stage of life you’re at, we’re here to help.

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.