Personal Retirement Strategy

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The current economic environment means that preparing for your retirement has never been more important. At The Retirement Adviser we will help you to make the most of your pension now or in the future. 

We are dedicated to improving your retirement for the rest of your life, to allow you to enjoy the longest holiday of your lifetime all the while knowing that you have maximised your hard-earned pension fund.

Under current legislation, pension benefits can normally be taken after age 55.

Legislation no longer sets a maximum pension age, however the ability to utilise some options after the age of 75 should be taken into consideration. When you begin thinking about taking your pension income you have a variety of things to consider, such as:

  • Do you require an income?
  • If yes, what level of income?
  • Guaranteed or variable income dependent on investments?

We are here to guide you through these questions, to advise you on your options and to arrange your retirement income.

First Steps

Our advice process starts with an initial discussion with one of our qualified advisers in which we aim to fully understand your requirements and your existing policy benefits.

Your adviser will take you through our retirement questionnaire and then discuss your individual objectives. Once we have understood both your requirements and the nature of your existing plans we can start looking into a solution to meet your needs.
 

If a fee is chargeable for this work then this will be agreed with you in writing prior to any work being carried out.

Next Steps

Your adviser will prepare a tailored report which will confirm the details of your existing pension provisions and then provide a direct comparison of all the available options. The advice report will then also detail a suitable recommendation which your adviser will call you to talk through before you decide on how to proceed.

Should you wish to move forward with our recommendation then following the completion of the required paperwork and we will do the rest.

 

A pension is a long term investment the fund value may fluctuate and can go down. You may not get back the original amount invested. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

My adviser managed the whole process with patience and displayed understanding and a professional approach which helped significantly with the decisions that I needed to make.

Member of Motorola Pension Scheme