Retirement Planning

Reaching Retirement


The prospect of retiring and drawing benefits can be daunting, but with good planning it should make the transition smooth and stress free. 

You may have plans which include valuable guarantees, or various pension arrangements built up over the years.  Our Retirement Planning Service will analyse all of your plans to ensure you are fully informed of the benefits they provide and how best to draw them.

You may wish to access your full tax free cash entitlement or maybe you are continuing to work part-time and only wish to draw a proportion.  Perhaps you are more comfortable with a fixed income stream.  Alternatively, you may prefer to have full flexibility with your pension, drawing money as and when you need it and leaving the remaining pot invested for growth.  The death benefits provided by your plans could be a priority for you and we can discuss how best to address this.

We will guide you through the retirement process, helping you plan how much money you need to live off, utilising your personal allowances and plan how to draw your benefits most tax efficiently. 

Cash Flow Analysis

Our Cash Flow Analysis software is a straightforward and visual tool which will plot your income needs and expenditure.  If you’re looking to take a once in a lifetime holiday or make a big purchase like a new car, we can plot that into your personalised chart to determine what impact that will have on your overall financial objectives.

Ongoing Review Service

With our Ongoing Review Service:

  • We will meet at least annually to review how your plans are working for you, the investment strategy, your likely income needs for the next year and any other changes in your circumstances.

  • You will have access to your adviser whenever you need them.

  • You will receive our tailored client communications, including our quarterly magazine and monthly Economic Review.

  • Behind the scenes, our Investment Committee meet quarterly to review your funds and meet with fund managers.

All statements concerning the tax treatment of products and their benefits are based upon our understanding of current tax law and HMRC practices both of which are subject to change in the future. Levels and bases of reliefs from taxation are also subject to change, and are dependent on your individual circumstances.


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