“Pre” retirement – Building sufficient funds ahead of retirement to sustain your chosen lifestyle

The Government provide very attractive incentives in the form of tax relief on personal contributions paid to pensions with basic rate tax payers receiving 20% and 40% relief for higher rate tax payers. You can get a Personal Pension, Group Pension or an Occupational Pension.

“At” retirement – Making the right decisions when you decide to give up full time work

At retirement we advise on securing your future by assessing the various pension annuity options, Income Drawdown and income from investments for you to ensure that you enjoy your retirement.

Everybody is different and there are many factors to take into account e.g. the size of your funds, your own personal circumstances including your health and whether you need to provide a pension for a dependant after your death. It is important that you take your time and make the right decisions.

“Post” retirement – Managing your income for the rest of your life

Once you have decided on your retirement plan, ongoing management may be required to ensure that it continues to meet your requirements and help you meet your retirement goals.