Retirement planning explained
Getting on the right path for a
brighter future
Every journey starts with a single step - retirement planning is no different. Understanding where you want to go, and the obstacles you'll meet, is the key to developing the plans that will get you there.
Use the information and guidance you'll find here to explore the wider issues of retirement planning.
If you're new to retirement planning, you may find it daunting - but don't worry. The best thing you can do is seek some financial advice.
Beyond that, you can spend your time wisely - starting to get to grips with the issues, ideas and products you'll be faced with.
Not sure why you need to plan for your retirement?
Not sure how much money you'll need in retirement?
Our getting started guide will help you understand your future better.
It's time to get serious. You understand why you need to plan for your own financial future. Now you need to do something about it.
The biggest question you face is whether or not the plans you've made will be adequate. Should you be saving more and are you making the most of the tax reliefs available?
Building your pension pot
Are you saving enough?
Our planning for retirement guide will help you decide what you still need to do.
As you get closer to your planned retirement age, you need to start thinking about converting your pension fund to income. And you need to look at your other investments to decide how to get the most from them.
It's also time to think of wider retirement issues such as inheritance planning.
Using your retirement pot
Saving and investing for income
Your retirement journey doesn't end just because you've retired. If you have investments, you can still use them to maximise your retirement income.
Importantly, you have to start thinking about passing on your wealth. Don't leave it too late or the taxman may take some of it.
Maximising your retirement income
Passing on your wealth
Don't delay, it could cost more than you think
Put off saving for your retirement for just one year and it could cost you a lot more than you'll 'save'.
Retirement could last 25 years
Now that many of us are living longer, we need retirement plans that give us a good income for longer.
Risk explained
All investments aren't the same. Some have more growth potential, and usually, more risk.
Inflation explained
Inflation can seriously erode the value of your pension fund, and your retirement income.
State benefits
The state isn't your nanny - it's up to you to make sure you look after yourself.
Financial planning advice
It's the first step for anyone who's serious about planning for their retirement. Our service is confidential and without obligation.
Get in touch
We’re here to help you cut through the complexities of retirement.
Call today for an appointment with one of our financial planning advisers
0845 301 9945*
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*Minicom 0845 900 5961.
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Glossary
Still struggling with retirement planning jargon? Check out those tricky terms with our glossary.