Retirement planning is a concern for many people, and pensions are more complex than ever. It is difficult enough to keep track of how much you have invested in your pension fund, and thanks to auto-enrolment you may well have multiple pension pots. Once you retire, there are also options to consider such as the tax-free lump sum cash or whether you are to purchase an annuity or use the income drawdown option. We aim to make the process simpler – giving you peace of mind in your working life, and ensuring you are able to enjoy your retirement.

Our long-term, face-to-face service takes into account your whole situation and your aims for retirement. Our services include:

- Financial projections: how much do you need to retire?

- Recommending funds and investments based on your preferred risk.

- Pension assessments and performance reviews.

- Advice on investment and withdrawal options, and pension consolidation.

We also offer pension planning advice for companies and individuals, assisting in establishing or reviewing group pension schemes, as well as providing individual pension assessments for employees.

Whether your investment aim is to grow capital or to provide a regular income, we can help you at every stage. Our expert advice enables you to make the most appropriate decisions when planning regular investments, no matter what your medium or long term objectives. We are always careful to tailor our advice to our knowledge of you, the customer – your situation, your goals, and your attitude to risk.

This includes:

- Explanation of the advantages of short, medium, and long term investments.

- Using government allowances, concessions, and tax relief effectively.

- How to structure investments according to your needs.

- Recommendation of products most suitable for your situation.

For some individuals, you may be interested in extra areas such as offshore planning: we can advise you if this is a viable option to make use of your capital.

 Warning: The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

There is much uncertainty around inheritance – tax rates, what the laws are, and how to be as efficient as possible. However, it is important to have peace of mind so that your family can benefit from your inheritance wishes when the time comes. We aim to ensure that you and your loved ones are fully aware of what will happen to your assets and investments. 

Our services include:

- Talking you through laws and regulations.

- Reviewing existing plans (eg your will) to ensure they are structured correctly.

- Discussing how investments and pensions are affected by inheritance.

- Structuring your protection in the most tax-efficient way.

Personal

Usually, our clients aim to build their assets with a particular objective in mind. This could be in the medium term, such as savings and investments for school fees or mortgages, or long term, such as pension planning.

As well as providing investment advice to help reach your financial objectives, we aim to ensure there is protection in the event of unforeseen circumstances, such as illness or death, to ensure your loved ones are looked after. We can review your existing policies, whether these be private or employment-organised, and ensure they suit you. 

Warning: the value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

The Financial Conduct Authority does not regulate on Estate Planning.

The Financial Conduct Authority does not regulate on school fee planning.

Business

Business asset protection is often neglected. It is essential to protect your business assets to provide security in unforeseen circumstances such as illness, to help staff recruitment and retention, and to ensure your business partners and family are not made liable.

Good business asset protection will consist of the following:

- In the event of your illness, it should still provide an income for life.

- A review of ownership structures, protecting spouses and directors in the event of your death.

- Reviewing key people and stakeholders to consider the cost if you lose them.

Group retirement planning and asset protection is also a crucial employee benefit, and will ensure you are able to attract and retain the very best staff.