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Individuals
It’s never too early to check that your pension is working towards your future life.
Creating a robust retirement plan will ensure your retirement will be the most fulfilling phase of your life. Starting your retirement planning early will give you more flexibility, money, and options so you can spend your time and wealth on the things you love with the people you love.
Your finances should be built around your lifestyle, not the other way around.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Some of the reasons clients first approached us for assistance include:
- They wanted to know when they can retire and with how much
- They wanted to know how the most efficient way of converting their pensions into a sustainable income
- They had multiple income streams and wanted to prioritise how they access their income to avoid paying unnecessary tax
- They wanted to access their retirement income in a flexible way, without it running out
- They wanted to simplify their numerous pensions and make sure they're all working hard for them
Tax treatment varies according to individual circumstances and is subject to change.
Phased Retirement
Many of our clients are now opting to reduce their working hours before retiring completely. They first engaged us because they wanted to reduce their working days and top up their income with their pension.
If you are considering transitioning into retirement, our cashflow models will tell you exactly how much income you need every year up until retirement and beyond. We can use this information to create a tax-efficient withdrawal strategy that utilises your earnings, investments, and pensions to ensure you maintain the income you require and avoid paying unnecessary tax.
