Retirement Planning

The value of the investment can go down as well as up and you may not get back as much as you put in.
The value of pension and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change.

At some stage we all want to stop working and enjoy a long and happy retirement. Even if you plan to carry on working to some degree later in life, a good retirement plan can help you wind down when you are ready.

Research shows that we are living longer and the provisions we may have been expecting from the State are reducing. It is with this in mind that effective retirement planning has never been more relevant or important.

We help you understand where your income may come from in retirement and believe that with the right planning our clients will be able to reach the standard of living they had hoped for. With our regular reviews and ongoing service we help you keep on track and adapt to any changes whilst accumulating your pension or drawing upon it.

Pension legislation can be both confusing and complicated and with our specialist knowledge we will help you navigate through the complexities and understand the significant tax advantages available, always making it relevant to your situation.

Christopher Wotton is a Pension Transfer Specialist and is authorised to provide advice on all pension types including personal pensions, retirement annuity contracts, section 32 pensions, company pensions including defined benefit / final salary plans and pensions with safeguarded benefits.