Retirement planning
Retire on your terms.
We'll help you work out what you need, when you can afford it and how to turn what you've built into an income you can rely on.
Who this is for
For people at any stage of the journey.
Whether retirement is decades away or already here, the questions are the same: how much is enough, and how do I make it last?
What we do
We review your state, workplace and personal pensions, including defined benefit schemes and SIPPs, alongside your other savings. We use cashflow planning to answer the questions that matter: when can I stop, how much can I take, and will it run out. Then we build a plan for both building up and drawing down, and look after it through retirement.
How we work
The same five steps, whatever we're helping with.
So you always know where you are and what happens next.
01
Initial review
Starting with you.
02
Research
Weighing up your options.
03
Plan
A plan that joins everything together.
04
Implementation
We take care of the detail.
05
Ongoing
A plan that moves with your life.
Your adviser
Advisers who specialise in retirement planning.
You'll have one lead adviser who knows you well, with the rest of the team behind them.
Questions
Common questions.
When can I afford to retire?
That's the question we answer most. Cashflow planning lets us test different ages and spending levels against your pensions and savings, so you get a number rather than a hope.
Should I consolidate my pensions?
Sometimes, not always. Some older pensions carry valuable guarantees worth keeping. We review each one before recommending anything.
What about my defined benefit pension?
We can advise on defined benefit schemes, including whether to keep the guaranteed income or consider alternatives. For most people, staying put is the right answer, and we'll tell you if it is.
How much can I take from my pension each year?
It depends on your pot, your other income, your tax position and how long it needs to last. We work this out with you and revisit it each year.
Events
Meet us at an event.
Let's talk
Let's talk about what's next for you.
The first conversation is complimentary, with no obligation to proceed.
