Preparing for an enjoyable and financially secure retirement involves so much more than just your pension, important though that is. As we all live longer and enjoy unprecedented freedom to decide our own retirement options, it has never been more important to have clarity over what you want to do and how much money you’ll need to achieve that.

Everybody has their own version of the ideal retirement, from gardening and spending time with the grandchildren to travelling the world, starting a new business, or becoming a non-executive director (NED) or charity trustee.

Through our retirement financial planning services, we can help you position your finances so that you are confident of maintaining a good standard of living and have the income to realise your life goals, whatever they may be.

People who took advice on pension saving near the start of their careers saved an average of £34,300 more than those who took no advice – not including tax relief or compound interest.

* The Value of Advice,

Signets swim alongside their mother

Our areas of expertise

  • Pensions

    The rules around pensions are continuously changing. Getting regular, expert advice will enable you to build up your pension pot in the most efficient way and invest it effectively to achieve the right outcome for you. Our specialist retirement planners will help you decide on the best plan for your personal circumstances, both now and in the future.

    Income Drawdown

    With so many options available, choosing the right way to access your retirement income can seem bewildering. Income drawdown plays a key role in our retirement planning advice, offering you a flexible solution that allows you to take the income you need while still keeping your capital invested with the potential for future growth.

    Self-Invested Personal Pensions (SIPPs)

    If you are looking for as much personalisation and flexibility as possible in your retirement planning, then a SIPP could be the ideal choice for you. It has the tax advantages of a standard pension plan but offers far more scope in terms of the types of investment that can be held within it. 

Building your personal retirement plan

  1. Step One

    Understanding your current situation

    We will use our time, expertise and experience to help you consider what you want your retirement plan to look like. This will enable you to form a clear idea of your personal goals, with full transparency about the costs involved from the start.

  2. Step Two

    Determining how close you are to reaching your goals

    Once we have a clear understanding of your circumstances, desires and needs, we will assess how close you are to achieving them based on your current plans, taking account of your current financial situation and your projected incomings and outgoings.

  3. Step Three

    Making a prioritised plan

    When we’ve got a clear idea of what income you’ll need at retirement, our retirement planners will talk you through the options for reaching that target and the challenges involved in getting there. We’ll put together our recommendations in a written report, and this will form the ongoing basis of your retirement plan.

  4. Step Four

    Ongoing review

    Once your plan is in motion, we’ll continually review it with you, making any necessary adjustments as per changes in the economic climate, your personal circumstances and goals, or changes to legislation and pension rules. We treat retirement financial planning very much as an an ongoing process (although ongoing advice is optional and subject to fees), ensuring your retirement plan continues to meet your individual needs over time.

Middle-aged couple paint pottery together
Andrew & Jane B, Leeds

From the beginning, Michelle was very empathetic, professional and thorough in providing me with a full and realistic pension plan, taking the time to talk me through an early retirement strategy plan.

Frequently asked questions

Retirement planning advice

Looking for more information around retirement planning? You might find the answer to your question here.

  • How much money will I need for my retirement plan?

    Your retirement plans are as individual as you are. The amount you will need effectively depends on your chosen lifestyle, your age at retirement and your life expectancy. As we are all living longer and healthier lives, you’ will want to ensure you have sufficient wealth to fund a comfortable and enjoyable retirement.

    Our experienced retirement planners can review your current savings and investments, model your likely expenditure and let you know if you are on track to achieve the retirement that you desire.

    Planning for the retirement you want


  • Should I consolidate my pensions?

    Many people have several different pensions, especially if they have changed jobs several times during their careers. There can be definite advantages to bringing all your pensions together in one place, such as ease of management and fewer charges. However, that’s not always the case, as some pension transfers can incur penalties and there may be a risk of undermining guarantees.

    If you have multiple pensions, we can offer advice advise around how best to manage them to ensure that you get the maximum benefit in the context of your wider financial situation.

    Learn more about meeting your retirement goals

  • What is the best way to benefit from my pension?

    Annuities, flexible income drawdown, defined contribution schemes; pensions are so complex it’s no wonder so many of us struggle to make sense of the schemes and strategies available. And no one solution is right for everyone.

    For our retirement planners, though, understanding the ever-changing complexities around pensions is a foundational aspect to providing proper and informed retirement planning advice to our clients. We’ll use our knowledge and experience to guide you through such challenges and help you select the best option for you and your family.

    Find out more about your retirement income options

  • Why should I choose you?

    Professional retirement financial planning bridges the gap between just getting ‘an answer’ and getting the answer which is right for you. We are one of the UK’s top wealth management companies, with a long and proud tradition of looking after our customers carefully. We don’t take a cookie-cutter approach; every plan we develop is uniquely personalised to your unique personal circumstances. That’s why our clients have been placing their trust in us to manage their financial affairs for over 180 years, and continue to do so today.

    See if we're right for you

  • Can I have a free consultation?

    We are very much a people business as well as being finance and investment experts. Getting to know you and building up a rapport is vitally important to giving you the best possible service. That’s why our retirement planners always prefer to have an initial free consultation, so that we can talk through your feelings about retirement and give you a good idea of where we can help.

    Book your consultation

  • How can I find an office near me?

    Our network of 15 local offices covers the whole of the UK, so you’ll never be too far from your local retirement planning team. You can find full details of our locations and individual experts by clicking on the link below.

    Find your nearest office

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Financial Planning explained PDF

Investec Wealth & Investment (UK) is a trading name of Investec Wealth & Investment Limited which is a subsidiary of Rathbones Group Plc. Investec Wealth & Investment Limited is authorised and regulated by the Financial Conduct Authority and is registered in England. Registered No. 2122340. Registered Office: 30 Gresham Street. London. EC2V 7QN.