Retirement Planning

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Preparing for an enjoyable and 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 we will 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.

We can help you plan your finances so that you are confident of maintaining a good standard of living and having the income to realise your goals, whatever they are.

Start planning today

You can send us a message, find an office near you, or call us directly. We’re here to help you.

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

The Value of Advice,

Our areas of expertise

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    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 then invest it to achieve the right outcome for you. Our specialist Financial 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 offers you a flexible solution, allowing you to take the income you need while still keeping your capital invested for further 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. SIPPs are popular with people who want to build up a substantial fund as quickly as possible.

Start planning today

See how Investec can help you plan for your ideal future.

Building your personal retirement plan

  1. Step One

    Understanding your current situation

    We will take the time and use our expertise and experience to help you consider what you want your retirement to look like. This will enable you to form a clear idea of your personal goals. We’ll also talk openly about the costs 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, we’ll talk through 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 the economic environment, your circumstances, or your goals change. It is very much an ongoing process, ensuring your retirement plan continues to meet your individual needs.

Don’t leave it too late. Act now.

If you would like to have an informal, no obligation conversation or have any questions about Retirement Planning, please get in touch.

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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.

Retirement Frequently Asked Questions

Still looking for more information? You might find the answer to your question here.

  • How much money will I need in retirement?

    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 Financial 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, it’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, Investec can advise on how best to manage them to ensure that you get the maximum benefit in the context of your whole 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 Financial Planners, though, understanding pensions is their full-time job. They will use their knowledge and experience to guide you through the complexities and help you select the best option for you and your family.


    Find out more about your retirement income options

  • Why should I choose Investec Wealth & Investment?

    Professional Financial Planning is the difference between 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 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.


    See if Investec is 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 Financial 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 what we can do for you.


    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 are never far from your own local team with considerable experience in Retirement Planning. 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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Get in touch or find your local Investec office

You can send us a message, find an office near you or talk to us directly. We’re here to help you.

Useful downloads

Retirement Planning explained
Financial Planning explained

My life goals

Understand your current situation, where you want to be, and we’ll help you get there.