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Pension Planning

Objective pensions insight to ensure you achieve the retirement you deserve.

Understanding your pension planning needs

As the age at which we will retire continues to creep up, it is important to plan early and effectively for life after retirement, to ensure you are able to enjoy the retirement you deserve.

From the moment you start work, you begin to build up your entitlement to a State Pension.

And with the advent of auto-enrolment into workplace pension schemes, membership of employers' pension schemes and personal pensions plans, there are a host of funds available to you, to support you in retirement.

Of course, retirement funding need not be confined to pension arrangements. Other forms of saving and investment as well as release of equity from your home can be appropriate sources of financial support in retirement too.

The key is to start to plan for your retirement sooner, rather than later, so that you can take a proactive approach your retirement planning and gain a better idea of what you can expect to enjoy upon retirement.

Our people, your partners

Our team of expert private client pension advisers are specialists in their field of expertise.

Martin Reynard has over 30 years’ experience advising clients on all aspects of personal pension planning, providing objective financial advice, tailor-made to individual needs.

Working with you to understand your retirement objectives, we will provide in-depth advice to ensure that your retirement plans are flexible, tax efficient and cost effective.

Our pension and retirement planning advice is relevant at all stages of life, taking into account your overall financial circumstances and anticipated needs.

How we can help

We will help you to understand how your pension arrangements operate, how they will unfold in the future and how they will fit in with your other savings and investments.

While tax breaks are offered to encourage saving for retirement, pensions are subject to their own peculiar UK tax treatment – whether UK or overseas schemes

It is therefore important to ensure that you do not pay unnecessary tax as a result of paying too much into your pension, allowing pension funds to grow too big or continuing to hold old plans that give dependants little or no choice on how to manage the pension fund they might inherit from you.

With this in mind, we can advise you on:

  • Saving for retirement
  • Self-invested personal pensions (SIPPs)
  • At-retirement planning on the timing and form of benefits
  • Flexible drawdown and annuities
  • General strategic retirement planning
  • Pension fund risk management
  • Strategies to manage annual and lifetime allowances and associated tax charges
  • Efficacy of remaining an active member of an employer’s pension scheme when both allowances bite
  • Succession planning to ensure loved ones benefit in the most tax-efficient way possible
Our expert pensions advice will ensure your retirement plans are flexible, tax efficient and cost effective.
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