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Expert Advice To Help You Plan For Retirement
When people usually think of retirement planning, they think it’s something that should be started once you reach your 50’s. But that’s simply not the case and the sooner you plan for your retirement, the better.
Retirement planning is the process of ensuring your pension provisions can actually provide you with the standard of living you’re looking to have once you retire. That’s why the earlier this is considered, the better. As hard as it may be at times, regularly saving money in your 20’s can have huge benefits once you reach retirement age.
Unfortunately, for various reasons, many of us aren’t actively saving enough money for retirement. According to the UK’s Department For Work and Pensions, around 43% of working age people aren’t saving enough when measured against their target replacement rate (TTR), which is the amount of funds the individual would need to meet an adequate level of income in retirement.
We understand that from the outside pensions can seem rather daunting. There’s a lot of jargon, a lot of information to digest, plenty of rules to understand and of course, a lot of ways to get it wrong. That’s where we come in. As independent financial advisors, we’re here to give you impartial advice with your best interests at heart.
So whether you need advice regarding your existing pension set up, want us to help you look at other pension options out there or a combination of the two, we can help. We’ll understand your situation, analyse your pension options and provide you with tailored advice to help you save the most money you can for your retirement.
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With over 30 years of experience when it comes to retirement planning, we’re here to help with whatever you need.
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Retirement Planning: What To Consider

Pension Offerings Change
It’s important to understand that the benefits a pension offers can change over time, often without you being aware of it. We understand it’s hard to keep an eye on everything, particularly something considered to be a ‘safe’ investment. That’s why we offer ongoing advice and management for your pension, ensuring you always receive the best solution.

Pension Consolidation
Over your lifetime, you’ve likely accumulated a variety of pension pots from different providers through the process of moving job roles or setting up your own personal policies. We’ll help you to explore the possibility of combining them all to simplify management and potentially increase your lump sum.

Starting To Save Earlier
If you can, we strongly advise that you look to start regularly saving as early as possible to ensure you have the funds in retirement that you need. We understand it can be hard to save regularly, especially with rising costs and increased commitments as you get older, but we’re here to help provide advice on building your pension pot each and every month.

Retirement Viability
We’ll sit down with you to understand your retirement plans, research potential pension offerings that suit your needs and help you to put a plan in place that takes into consideration fluctuations in income and outgoings.

Converting Your Pension Into Income
It’s a misconception that every pension will just automatically start paying you an income once you reach retirement age. There are a variety of ways to convert your pension savings into income, whether that’s via regular payments or lump sums. We’ll help you to understand the various options.

Hidden Benefits Or Pitfalls
It’s very common for many people to be unaware of the benefits or pitfalls that their current pension set up has. We’ll analyse your current situation to make you aware of any benefits you should be taking advantage of or any pitfalls to look out for. If we can recommend a better pension provider for your savings and your situation, we will.
What To Expect
1
Get In Touch
Let us know your specific requirements either via our online form, email or a phone call. The more details we know, the sooner we can start to help.
2
We’ll Assess Your Needs
Our team of experts will review and assess your specific requirements, allowing us to understand your situation and how we can help.
3
Advice Tailored To You
One of our expert financial advisors will be in touch to work with you, providing bespoke advice and a tailored retirement strategy for your needs.

How We Can Help
We understand that planning for your retirement isn’t necessarily always at the forefront of your mind. It’s often seen as something that’s reserved for later on in life. However, the earlier you start putting plans into place and regularly saving, the more likely it is that you’ll have the funds to live a comfortable life after retiring.
Not only that, but your current pension scheme may not be the best option for you and your situation. Each and every one offers different investment options, minimum contributions, charges and ways to receive your money once you retire.
Our expert team of financial advisors are here to help you make sense of the pension market and all that entails. We’ll provide expert, impartial advice, comprehensive research into your pension options and help you to create a tailored retirement plan to ensure you live the life you desire during retirement.
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