Retirement planning is no longer just about pensions. We consider and advise on all the ways your clients can plan for later life.

  • Take a fresh look at retirement planning

    Planning for retirement can feel like a daunting prospect for your clients. Looking not just at your clients’ pension policies but their assets as a whole, our specialist financial planning team creates co-ordinated investment strategies for your clients’ later life.

  • Help them prepare for their retirement
    By working together we can help your clients accumulate money for retirement, invest so that they can have what they need, when they need it, and make the most out of the money they’re putting aside.

Find out more

Chris Aitken

Head of Financial Planning

If you’d like to know more about Retirement and Pension Planning, please call me or complete our contact form.

Your clients’ retirement planning options

Pensions

Multiple pension products with tax laws affecting contributions, investment and benefits – the pension landscape can appear ever-changing and complex. But we can strategically steer your clients through the complexity.

We will advise them on getting the best out of the following products:

  • Self-invested personal pension (SIPP)
  • Personal pension/retirement annuity
  • Executive pension plan (EPP)
  • Small self-administered scheme (SSAS)
  • Stakeholder pension
  • Final salary/ public sector pension
  • Additional voluntary contribution (AVC) scheme
  • Free-standing AVC.

SIPPs

A hugely popular and highly flexible investment wrapper for retirement, a self-invested personal pension (SIPP) has great potential that we can maximise for your clients.

Your clients will benefit from sound investment strategies and first-class administration to help them make full use of the products, including:

  • Stocks and shares
  • Unit trusts/open-ended investment companies (OEICS)
  • Investment trusts
  • Commercial property.

It's also possible for your clients to consolidate a number of different pension pots into a SIPP.

Annuities

When purchasing an annuity with a pension fund, there are a range of options open to your clients, including:

  • Conventional annuity
  • Investment-linked annuity
  • Enhanced or impaired life annuity
  • Hybrid or third-way annuity.

Once we’ve established that annuity purchase is right for your clients, our financial planning team can help them pick the most suitable one for them.

Income drawdown

Equally, if your clients choose to defer buying an annuity, we can help them choose the income drawdown option that’s best for them. We will help steer them through their choices of:

  • (Existing) capped drawdown
  • Flexi-access drawdown
  • Uncrystallised fund pension lump sum.

Find out more

Chris Aitken

Head of Financial Planning

If you’d like to know more about Retirement and Pension Planning, please call me or complete our contact form.

Useful downloads

Estate Planning Brochure PDF 638.16 KB
Retirement Planning brochure PDF 588.88 KB
Family Matters brochure PDF 5.68 MB

We can help your clients: