Pensions & Retirement

Retirement planning can be very complex; however, we will avoid jargon and simplify the process.

There are  two parts to retirment planning:
The accumulation (saving) stage – saving to build up sufficient assets to achieve the desired level of income in retirement.
The decumulation (withdrawing) stage – choosing the most suitable option in order to support your chosen lifestyle in retirement.

There is now unprecedented choice and flexibility over how you can draw benefits from your pension.  We will work with you to understand your needs and objectives and then recommend the most appropriate way to meet these goals in both accumulation and decumulation.

The tax treatment depends on your individual circumstances which may be subject to change in the future.
The value of your investment and any income from it may go down as well as up.  You may not get back the original amount you invested.