Retirement Planning

We are retirement planning and Pension Drawdown specialists and have been managing clients’ retirement plans since 1999.

Over the past 2 two decades, we have helped our clients transition from working life into retirement through developing robust retirement plans that work for their individual circumstances.

The main objective of any retirement plan is the provision of sufficient income in retirement. There are many factors that can influence this outcome – it is not just about saving into a pension.

Often, starting with a pre-retirement discussion, we will advise you on your options for the future. We will talk to you about timescales and your aspirations for retirement. We can help you make informed decisions regarding savings and investments, as well as pension arrangements and structure your financial affairs so that you can retire with a tailored plan to meet your individual needs.

If you are about to retire, we can help you decide how you should draw your pension benefits and if required, structure any investment income to supplement your benefits. Once on-board, we will review your arrangements regularly to make sure they remain suitably invested and continue to meet your requirements.

An important part of retirement planning often involves pension consolidation to simplify your affairs; it also increasingly includes individuals wishing to transfer out of their employer Final Salary Schemes). This requires a specialist qualifications and can only be offered by advisers holding The CII Certificate in Pension Transfers (Formerly Advanced Financial Planning Certificate "AF3 Qualification" and before that "G60"). As "At Retirement Specialists" we are seasoned practitioners in this area and in order to meet this specialised requirement, we offer the professional services of four financial planners holding this prestigious qualification (meet the team).

We have a range of service packages there to support your retirement plan, but here is a summary of just some of the features included:

• Independent, impartial advice on your retirement options from Chartered Whole of Market Financial Planners
• Advice on individual plans, self invested plans (SIPPs) and employment pensions (including Financial Salary Schemes, otherwise known as DB or Defined Benefit Schemes).
• Advice on pension consolidation and transferring pensions (private and employer) to alternative providers to improve growth and reduce costs
• Information and advice on all retirement income products including Pension Drawdown which we have specialised in since 1999
• An ongoing review service to make sure your pension arrangements continue to meet your needs