Pensions and retirement planning

Nobody knows what the future holds, so planning ahead for your retirement is one of life’s essentials. It can be hard to focus on your older age, especially when you’re still relatively young, but it’s prudent to consider these issues, and start making provision, as early as possible.

The demographics are unarguable. As a nation, we are living longer, and the ‘oldest old’, those aged 85 and over, are the fastest growing section of our population. So it’s shrewd to do all we can to ensure we have enough money to enjoy life to the full.

Whatever age you are, and regardless of the stage of your life, retirement planning makes good sense. Against a backdrop of continual change in the pension world, it’s important to regularly review your plans to ensure they are on track. For most of our clients, pension advice is provided as part of an overall financial planning strategy. We offer wide ranging advice across all aspects of retirement planning and we have considerable experience and knowledge of the increasingly complex pension world and the associated legislation. There has never been more flexibility and choice around how you use your pension savings. We guide and support you to make the best provision that you can.

A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.