Expert Retirement Planning
Secure your financial future and enjoy the retirement you've always dreamed of with personalised retirement planning and comprehensive pension advice.
Understanding Your Retirement Vision & Goals
Effective retirement planning begins with a clear understanding of your aspirations. Whether you dream of early retirement, extensive travel, leaving a legacy, or simply maintaining your current lifestyle, our first step is to listen intently. We'll conduct a thorough assessment of your current financial position, including existing pensions, investments, and assets, to form a clear baseline for your future. This personalised approach ensures your retirement plan is precisely aligned with your unique life goals.
Optimising Your Pension & Retirement Income
Navigating the complex landscape of UK pensions is crucial for a comfortable retirement. Our expert pension advice covers all types, from State and workplace pensions to private schemes like SIPPs and SSAS. We help you understand your options for accessing pension benefits, whether through income drawdown, annuities, or a combination. Our goal is to create a tax-efficient retirement income strategy that provides stability and flexibility, ensuring your money works harder for you when you need it most.
We don't advise on Defined Benefit (Final Salary) pensions.
Tax-Efficient Strategies for Retirement Wealth
Minimising tax liabilities is a cornerstone of robust retirement planning. We develop strategies to ensure your retirement savings and income are as tax-efficient as possible. This includes advising on ISAs, Capital Gains Tax, and how various investment wrappers can protect your wealth. For high-net-worth individuals, we also integrate Inheritance Tax planning into your overall retirement strategy, helping to preserve your estate for future generations while maximising your financial security today.
Holistic Wealth Management Beyond Pensions
Retirement planning extends beyond just pensions. We offer holistic wealth management, integrating all your assets, from property and investments to personal savings. Our expert team designs a cohesive plan that considers all aspects of your financial landscape, ensuring your wealth is managed strategically to support your retirement aspirations. This includes bespoke investment advice tailored to your risk appetite and growth objectives, providing a comprehensive approach to securing your long-term financial wellbeing.
Frequently Asked Questions About Retirement Planning
Ideally, you should start planning for retirement as early as possible in your career. However, it's never too late to begin. Even if retirement is fast approaching, a well-structured plan can significantly improve your financial security and options. Our advisors can help you assess your current situation and create a realistic plan tailored to your timeline.
The amount needed for a comfortable retirement varies greatly depending on your desired lifestyle, health, and life expectancy. There's no single answer. We'll work with you to project your future expenses, assess your income sources (pensions, investments), and determine a personalised target figure that aligns with your specific retirement goals.
The main types include the State Pension, workplace pensions, and private pensions like Self-Invested Personal Pensions (SIPPs) or Small Self-Administered Schemes (SSAS). Each has unique features and tax implications. Our advisors provide expert pension advice to help you understand and choose the best options for your individual circumstances.
Tax efficiency is key to maximising your retirement income. Strategies include utilising ISAs, considering how you draw down from pensions, managing Capital Gains Tax on investments, and structuring your estate to minimise Inheritance Tax. Our planning incorporates these elements to ensure more of your money stays with you.
Yes, we specialise in providing sophisticated retirement planning and wealth management solutions for high-net-worth individuals. We understand the complexities involved in managing substantial assets and craft bespoke strategies for tax efficiency, wealth preservation, and intergenerational wealth transfer, ensuring your legacy is secure.
Absolutely not. While we have a strong presence and understanding of the local community in the South Hams area, including towns like Dartmouth, Salcombe, and Totnes, we serve clients all across the UK remotely and in-person. We can offer personalised retirement planning advice tailored to local clients, alongside our UK-wide service.
Ready to Plan Your Financial Future?
Contact our expert team now to discuss how we can help with your needs. It's never too early to plan for tomorrow, your financial future starts today. Let's plan it together.
Get in TouchWhat Our Clients Say
"I just want to say thank you for the peace of mind you gave us. Now we can focus on enjoying retirement without worrying about how we're going to fund it"
- Fiona
"Professional, knowledgeable, and genuinely caring. You helped me build a great plan and navigate my investments with confidence."
- Jane
"You made it all seem so much easier, and completely eliminated the things I was worried about. Looking forward to catching up again soon."
- David
"There's nobody else we'd rather work with. No pretence, just common sense advice for normal people"
- Emily