Retirement Income
At some point you will want or need to work less or stop working altogether. Retirement income planning is more than just paying into a pension and buying an annuity these days.
How We Can Help
Transitioning from saving to spending is one of the most significant financial decisions you'll make. First thing we want to know is; what is your retirement dream?
Cashflow modelling shows us what you need, what you want and what your savings can provide. Only then can we create a sustainable retirement plan that balances security with flexibility.
We can build in guarantees to give structure and investment plans for more flexibility to cater to your retirement dream.
Guaranteed Income Options
Secure predictable income for life through annuities, providing financial certainty in retirement.
Flexible Access
Drawdown strategies that let you access your pension savings when you need them while keeping investments working.
Tailored Strategy
Income plans designed around your specific needs, from essential expenses to lifestyle aspirations.
Disclaimer
The value of pensions and any income from them can fall as well as rise. You may not get back the full amount invested.
Levels and bases of, and reliefs from, taxation are subject to change, and their value will depend upon personal circumstances. Taxation and pension legislation may change in the future.
Drawdown pension plans (unsecured income) are complex and are not suitable for everyone. Pension decisions can affect your income for the rest of your life (and that of any partner and other dependants). Where benefits are accessed on a flexible basis, these are not fixed or safeguarded for life. If security of income is important to you, then you should consider purchasing an annuity or taking a scheme pension to provide a secure level of income.
A pension is a long-term investment, and the value is not guaranteed. Any advice or considerations are personal to each individual’s circumstances.
A pension is a long-term investment; the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.