Retiring soon

Getting ready to retire is daunting and there are lots of life changing decisions to make. We can help you through this process so you can look forward to finishing work.


Choosing the best way to access your retirement savings can be a very complex decision at a time when you should be looking forward to your retirement. Our advisers are specialists in this area and we help clients get ready for retirement every week.

How we can help you

We can assess your circumstances, your plans and your available retirement savings to recommend the best course of action for you. Your adviser will create a personalised retirement plan for you using their knowledge and experience along with specialist software. They will take time to explain everything clearly to you, without the use of any jargon or technical terms.

For most people, a private or company pension is the key source of their retirement savings. However you might have other forms of retirement savings including investment properties, a business, ISAs or cash-based savings. Our company can offer advice on each of these potential sources of retirement savings to ensure our advice covers all aspects of your personal finances.


It is important to remember that a little bit of advice now could enhance your retirement income for the next 30 years and beyond. It could also ensure that your family is protected if you pass away early in retirement and help you avoid an unnecessary tax bill.

Getting the most out of your pension savings

There are two main ways in which you can use your private pension to fund your retirement: you can buy an annuity or use drawdown. There are also less common methods, including encashing the full value of your pension as a single lump sum (which is called taking an “Uncrystallised Fund Pension Lump Sum”) or buying a product which shares some its features with an annuity and other features with drawdown.

Please visit the following page to read more about each annuities, drawdown and other options: Private pensions and your options at retirement

Our fees

We offer a free, no obligation, initial meeting. This gives you an opportunity to find out more about our company and to get to know your adviser.

After your initial meeting your adviser will set out how we can help you and what fees will be payable for our services. If you choose not to use our services no fees will be payable.

We set different fees for different types of work, which is explained in more detail on the link below.

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