Retirement Planning & Pensions

Retirement Planning Tailored to You

Retirement should be a time of freedom, not financial uncertainty. Our retirement planning service helps you answer key questions like:

• When can I afford to retire?
• Will I run out of money in retirement?
• How much should I be saving now?
• What’s the best way to draw an income from my pension?

Explore our services

Personal Pensions

Build a tax-efficient retirement fund with a personal pension plan tailored to your goals. Ideal for employed or self-employed individuals looking to take control of their future income.

Self-Invested Personal Pensions (SIPP)

A flexible pension option that gives you greater control over where your retirement funds are invested — including shares, funds, and commercial property.

Group Pension Schemes

Support your employees’ long-term financial wellbeing with a compliant and cost-effective workplace pension scheme. We advise both employers and employees on scheme setup and management.

Flexi-Access Drawdown

Access your pension savings flexibly from age 55+ (rising to 57 from 2028), drawing income as and when needed while keeping the rest invested for potential growth.

Annuities

Convert your pension pot into a guaranteed income for life or a fixed term. We help you understand your options and find competitive rates tailored to your needs.

IR35 Pensions

Contractors affected by IR35 legislation often face complex pension planning needs. We offer bespoke advice on how to maximise pension contributions and tax efficiency under the IR35 rules.

Uncrystallised Funds Pension Lump-Sum (UFPLS)

Withdraw lump sums from your pension without committing to drawdown or annuities. Each withdrawal typically allows for 25% tax-free cash, with the remainder taxed as income.