Retirement and Pension Planning

Want to avoid working until you drop? The clock’s ticking…

However much you like your job, there’ll probably come a point when you decide it’s time to stop. One thing’s for sure, you’ll need more than just the State Pension if you’d like to enjoy life to the full when you retire – so it’s important to start planning for the future right now.

What is retirement planning?

As you go through life, you accumulate a range of valuable assets, including your home, savings and investments, pensions and inheritances.

Retirement planning focuses on using these assets to generate the income you’ll need to stop working or reduce your hours as you get older.

Need to review your pension?

Reading: 0118 916 5480 / London: 020 7036 8767

Have you considered planning for Inheritance Tax?

How pension advice can help you

For many people, setting up a pension plan is a key part of their retirement strategy. But a pension isn’t right for everyone – so it’s important to explore all your options with a pension adviser.



  • Is a pension right for you? – a pension adviser will recommend a retirement strategy that reflects your personal circumstances
  • Explore your options – from low-cost stakeholder pensions and self-invested personal pensions (SIPPs) to income drawdown and annuities
  • Make informed choices – the pension advice you receive will take account of your attitude towards risk, how you’d like your money to be invested and your tax rate
Retirement planning will ensure you have options when poor health or old age slow you down.
Why you should consider retirement planning
  • Not everyone is physically able to work all their lives. Retirement planning will ensure you have options when poor health or old age slow you down
  • Amid concerns that the current State Pension system is unaffordable in the long term, the Government is planning to raise the State Pension age to 67 between 2026 and 2028 – and subsequent reviews could result in a further age rise to 75
  • A pension is a very tax efficient long-term savings plan, but it may not give you enough income to retire on

Talk to us today: Reading: 0118 916 5480 London: 020 7036 8767