Plan for the Retirement You Want
A comfortable retirement comes down to good planning and wise investment.
The key question is simple: how much will you need to enjoy the lifestyle you want? Whatever your starting point, it’s never too late to take steps to build your retirement savings, and the right plan makes all the difference.
There are many types of pension, each with its own rules on contributions and access. Our advisers help you cut through the complexity and choose what’s right for you, explaining everything in plain English.
Types of pension we advise on:
- Personal Pension Plan
- Self-Invested Personal Pension (SIPP)
- Flexible Access Pension (Income Drawdown)
- Workplace Pension
- Small Self-Administered Scheme (SSAS)
- Defined Contribution and Defined Benefit schemes
Make the most of Tax Relief
One of the biggest advantages of a pension is tax relief. For every contribution you make, the government adds relief at your highest rate of income taxm so a basic-rate taxpayer who pays in £80 has £100 added to their pension.
Higher- and additional-rate taxpayers can claim even more. If you’re a company director, employer contributions can be a highly tax-efficient way to draw profit from your business. We’ll help you get the balance right.
Key features of our service include:
- A review of your existing pensions and other savings.
- A clear picture of your expected retirement income and any shortfall.
- Guidance on contributions, tax relief and the right type of pension for you.
- Ongoing support whether you’re building your pot or getting ready to retire.
Did you know?
Most people can pay up to £60,000 (or 100% of earnings if lower) into pensions each tax year with tax relief; higher earners may have a reduced allowance.