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Am I on track for my retirement? Do I have enough to retire? How long will my money last? Our independent financial advisers are here to help you answer these questions when you look at retirement planning. A lot of the uncertainty can be taken away by ensuring you have a retirement plan in place.

Retirement is a time for you to do the things you’ve always wanted and retirement planning will ensure you’re on track for the financial future you desire. Thinking about retirement can be a little daunting, but we’ll provide you with tailored retirement planning advice and pull everything together for you to discover your goals and the best steps to achieving these.

state pension

State Pension

The age when you can start to receive your State Pension is rising and you’ll need to give consideration to how much you may get and whether it would be enough to support your life in retirement.

pension pots

Pension Pots

It’s normal most of us may have worked several jobs and have different pension pots. It’s a good idea to locate them to understand how much you may have in retirement and to regularly review their performance.

What are your options?

With more flexibility and freedom than ever for how you manage your retirement income, getting the correct plan in place is vital. There’s more to it than just pensions as there are other ways we can look at you being able to generate the income you need for your future. With so much choice in the way you can access and use your savings it can be a tough decision. We’ve listed some options below:

later retirement

Later Retirement

You could allow your pension fund to grow slightly by delaying your retirement. This may involve phasing yourself into retirement from going full-time to part-time and then full retirement when you’re ready

retirement savings advice

Retirement Savings

There’s probably lots of places you’ve got retirement savings such as State Pension, personal pension and other assets including property and ISAs. It’s good to know how much you have to help you plan ahead effectively

top up pension

Top Up Pension

You could consider topping up your pension leading up to your retirement as a little extra could make a big difference in later life

Your Property

For many people approaching retirement they could be asset rich, but cash poor; your property is often the biggest investment you have

tax efficient pension

Tax-efficient

We can advise you on valuable tax breaks which may be available to you when putting funds into your pension

Saving for your Retirement

Your pension savings will most likely vary depending on your age, when you want to retire and what you want to do in retirement. In your 20’s and 30’s retirement may be at the back of your mind, but if you start saving earlier you will have a great advantage in the long run. In your 40’s and 50’s you’ve most likely been saving a while and accumulated various savings and pension pots; now’s a good opportunity to figure out what you have and see what options are available to you.

The main objective of retirement planning is to ensure you have significant income in retirement to live the life you want. There are many factors that can influence this and a discussion with our advisers will enable us to advise you on your best options for the future. We can help to structure your financial affairs to retire as early as possible.

If you are about to retire we can also help you with your next steps ensuring you make the best decisions for your life in retirement. We can also regularly review your arrangements to make sure they’re meeting your needs.

Find your local Truly Independent financial adviser

Brian McNair

Bearsden

Investments, Pension Investment, Retirement Planning

Carl Weller

Leatherhead, Surrey

Pension Investment Protection Mortgages

Michael Gwyther

Abercynon, Mid Glamorgan

Pension Investment Protection

Michael Finch

Monmouth

Pension Investment Protection

Mike Craddock

Sutton Coldfield, West Midlands

Pension Investment Protection

Neill Anderson

Clydebank, Glasgow

Pension Investment Protection Mortgages

Paul Turner

Wyevale, Hereford

Pension Investment Protection

Rob Ritchie

Alnwick, Northumberland

Pension Investment Protection

Tracey Davies

Cardiff

Pension Investment Protection Mortgages

Wendy Brown

Doncaster

Pension Investment, Pension Investment Protection

Alan Bradley

Edinburgh, Midlothian

Pension Investment Protection

Andrew Johnson

Droitwich, Worcestershire

Pension Investment Protection

Alan Simpson

Hamilton, Lanarkshire

Pension Investment Protection Mortgages

Andy Stocker

Beverley

Pension Investment Protection

Alan McJannett

Carlisle, Cumbria

Investments, Mortgage Advice, Pension Investment, Retirement Planning

Comran Taher

Hull, East Yorkshire

Pension Investment Protection

David Bartholomew

Carlisle, Cumbria

Pension Investment Protection

David Illingworth

Glasgow

Pension Investment Protection

David Dean

Reading, Berkshire

Pension Investment Protection

Lynne Bennett

Sheffield

Pension Investment Protection Mortgages

Mark Robertson

Glasgow

Pension Investment Protection

Mark G. Ainsley

Pulborough, West Sussex

Pension Investment Protection

Maxine Scott

Thornhill, Dumfries

Pension Investment Protection Mortgages

Darren Hopkins

Abercynon, RCT

Pension Investment Protection

Denis Turnbull

Penrith, Cumbria

Pension Investment Protection

Grant Livingstone

Warwick

Pension Investment Protection, Retirement Planning

David Marchant

Uddingston

Pension Investment Protection

John Martin

Kirkintilloch

Pension Investment Protection

Martyn Clemie

Dumfries

Pension Investment Protection

Alex Douglas

Dunfermline, Fife

Pension Investment Protection

Chris Rimmer

Prestwick, Ayrshire

Pension Investment Protection

Mark Cooper

Purley, Surrey

Pension Investment Protection

James Larton

Lancaster, Lancashire

Pension Investment, Retirement Planning

Simon Taylor

Sheffield

Pension Investment Protection Mortgages

Paul Mabbett

Sutton Coldfield, West Midlands

Pension Investment Protection

Bonnie Stevens

Cliffsend, Kent

Pension Investment Protection

Norman Taylor

Derby, Derbyshire

Pension Investment Protection Mortgages

Adrian Harding

Bristol

Pension Investment Protection

Ronnie Armstrong

Newcastle, Tyne and Wear

Pension Investment Protection

Alistair Woodman

Gretna

IHT Planning, Pension Investment Protection

Paul Hughes

Holmes Chapel, Cheshire

Pension Investment Protection

Simon Haydock

Cardiff

Pension Investment Protection

Stephen Chilcott

Pension Investment Protection

Andrew Brown

Trowbridge

Pension Investment Protection, Retirement Planning

Ian Watters

Carlisle

Mortgage Advice, Protection