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At Retirement Planning

In the past there were no decisions to make at retirement. Employers provided pre-determined pension rights, the State provided a weekly pension and if you had any pension funds it was a matter of choosing the best annuity.

Today the choices facing the retiree are enormous. Pension annuity, protected rights annuity, investment annuity, un-secured pension, phased retirement etc. This is now a highly specialist area of financial planning requiring a suitably qualified financial adviser. It is virtually impossible to deal with retirement without the appointment of a professional adviser.

Key Skills

  • We take a holistic approach to At Retirement planning ensuring we have a full understanding of each client’s circumstances and financial position.
  • We assist our client in fully understanding their retirement position and needs.
  • We consider the client’s personal objectives and needs.
  • We consider the client’s desire for access to, control, flexibility and income from pensions and other capital
  • We consider all non Financial Planning solutions
  • We investigate the whole range of retirement solutions, including Annuities, USP (Drawdown), Phased, ASP and scheme pensions.
  • We review and comment on existing financial arrangements and identify possible problems or opportunities
  • We ask questions and gather data. Years of experience of dealing with clients and financial institutions provide the knowledge of what questions to ask in order to get the right answers.
  • We interpret and analyse information
  • We consider clients’ appetite for risk
  • We apply appropriate investment strategy to PCLS (tax-free cash)
Budget Planner State Pension Forecast

Our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Alternatively, where your complaint relates to products or services purchased online, or by other electronic means such as by email, you may refer your complaint to the online dispute resolution (ODR) platform at http://ec.europa.eu/odr.